TD Aeroplan Visa Infinite vs TD First Class Travel Visa Infinite

Annual Fee$139$139
Annual Rewards$564$486
Intro Offer55,000 points135,000 points
Why it’s Good
  • Earn 1.5x Aeroplan points for gas, grocery, and drugstore purchases, and 1x point for all other purchases
  • Comprehensive travel insurance benefits
  • Complimentary first checked bag on Air Canada flights
  • Access to Visa Infinite benefits, such as concierge service and exclusive offers
  • Ability to transfer points to Aeroplan partner airlines
  • Earn high rewards on travel purchases
  • Comprehensive travel insurance coverage
  • Redeem points for any travel purchase
  • No blackout dates or travel restrictions
  • $100 travel bonus upon joining

Performance test results

At DollarWise, for each credit card we test 7 different factors including the rewards, value for money, perks, insurance, strengths and weaknesses of the card.

You can see our full testing methodology here to learn why we’re the most trusted source for credit card reviews.

Reward rates

To compare the TD Aeroplan Visa Infinite Card vs the TD First Class Travel Visa Infinite Card, let’s look at the rates at which you earn rewards for different spending categories per dollar you spend:

Bills1 points4 points
Pharmacy1 points2 points
Gas1.50 points2 points
Groceries1.50 points6 points
Restaurants1 points6 points
Specific Stores1 points8 points
Travel1 points2 points
Other Spend1 points2 points

Comparing annual rewards

We estimate that spending $2,000 per month with the TD Aeroplan Visa Infinite Card would earn $564 in rewards over the year and with the TD First Class Travel Visa Infinite Card you would earn $486 in rewards.

Our performance testing research uses an accurate estimation of the average Canadian households spending patterns to predict the rewards a card will earn.

Our study investigating the value of the rewards found that the value of the rewards is worth up to $0.02 per point for TD Aeroplan Visa Infinite Card and up to $0.01 per point for TD First Class Travel Visa Infinite Card, depending on how you redeem.

With these values, we can compare the TD Aeroplan Visa Infinite Card vs TD First Class Travel Visa Infinite Card based on the amount earned by spend category:

Bills$0$84
Gas$72$0
Groceries$180$180
Restaurants$0$72
Specific Stores$0$48
Other Spend$312$102

The TD Aeroplan Visa Infinite Card earns $564 in rewards over the year compared to the TD First Class Travel Visa Infinite Card which earns $486 in rewards.

With the TD First Class Travel Visa Infinite Card you earn $78 more rewards each year than you would with the TD Aeroplan Visa Infinite Card.

For comparison, the average credit card in our database earns $337 in rewards for the same spend that the TD First Class Travel Visa Infinite Card earns $564 in rewards value.

If rewards are the most important factor for you, then the TD First Class Travel Visa Infinite Card is likely to be the better choice for you.

The more that you spend on your credit card each month, the larger the difference in the rewards value earned between these two cards. So, for higher spenders the TD First Class Travel Visa Infinite Card has an advantage.

We can also compare these cards by looking at the earn rate by category.

This earn rate is the percentage return that you would get when you spend, assuming you redeem at the predicted maximum value.

For example, if a card earned 5 points per dollar on gas and each point is worth up to $0.02, then the earn rate is 5 points multiplied by $0.02 each, divided by the dollar you spent.

In this example, that’s a 10% earn rate on gas.

Bills2.00%2.00%
Pharmacy2.00%1.00%
Gas3.00%1.00%
Groceries3.00%3.00%
Restaurants2.00%3.00%
Specific Stores2.00%4.00%
Travel2.00%1.00%
Other Spend2.00%1.00%

The TD Aeroplan Visa Infinite Card earns 2.00% for every dollar spent on bills, compared to the TD First Class Travel Visa Infinite Card which earns 2.00%.

For spend at your pharmacy the TD First Class Travel Visa Infinite Card earns 1.00% while the TD Aeroplan Visa Infinite Card earns 2.00%.

On gas, you’ll earn 3.00% with the TD Aeroplan Visa Infinite Card and 1.00% with the TD First Class Travel Visa Infinite Card.

For an annual spend of $24,000, we estimated annual rewards value at up to $564 for the TD Aeroplan Visa Infinite Card and $486 for the TD First Class Travel Visa Infinite Card.

Fees: TD First Class Travel Visa Infinite Card vs TD Aeroplan Visa Infinite Card

Annual Fee$139$139
Net Rewards$425$347

The TD Aeroplan Visa Infinite Card has a $139 annual fee, whereas the TD First Class Travel Visa Infinite Card has a $139 annual fee.

For comparison, the average card charges $85.

After deducting the annual fees, we predicted net annual rewards of $425 for the TD Aeroplan Visa Infinite Card and net annual rewards of $347 for the TD First Class Travel Visa Infinite Card.

Perks

We manually reviewed the perks of the TD Aeroplan Visa Infinite Card vs the TD First Class Travel Visa Infinite Card to determine how they compare.

The TD Aeroplan Visa Infinite Card scored a 3.0 out of 5 for perks, in comparison the TD First Class Travel Visa Infinite Card scored a 3.2 out of 5 for perks.

The average card scores 1.6 out of 5 for perks.

Interest Rates

Purchase20.99%20.99%
Cash Advance22.99%22.99%
Balance Transfer22.99%22.99%

The average credit card has a purchase interest rate of 18.29%, whereas the TD Aeroplan Visa Infinite Card charges 20.99% and the TD First Class Travel Visa Infinite Card charges 20.99%.

Comparing these purchase interest rates, we can see that there is no difference in the purchase interest rates between the two cards. Therefore, the interest rates on purchases you make shouldn’t be a deciding factor for you when picking between these cards..

For cash advances it costs 22.99% and 22.99%, respectively.

Insurance coverage

Extended Warranty1 year1 year
Purchase Protection90 days90 days
Travel Accident$500,000$500,000
Emergency Medical Term21 days21 days
Emergency Medical over 654 days4 days
Trip Cancellation$1,500$1,500
Trip Interruption$5,000$5,000
Flight Delay$500$500
Baggage Delay$1,000$1,000
Lost or Stolen Baggage$1,000$1,000
Rental Car Theft & DamageYesYes
Hotel Burglary$2,500
Mobile Phone Insurance$1,000$1,000

We scored the TD Aeroplan Visa Infinite Card a 4.3 out of 5 for insurance, compared to the TD First Class Travel Visa Infinite Card which scored a 4.2 out of 5.

The TD Aeroplan Visa Infinite Card offers 13 types of insurance, whereas the TD First Class Travel Visa Infinite Card has 12.

Approval and qualifying

Estimated Credit Score760 – 900760 – 900
Personal Income$60,000$60,000
Household Income$100,000$100,000

We scored the TD Aeroplan Visa Infinite Card a 2.5 out of 5 for approval and the TD First Class Travel Visa Infinite Card a 2.5.

We predict that you will require a credit score of at least 760 to qualify for the TD Aeroplan Visa Infinite Card, while the TD First Class Travel Visa Infinite Card requires 760 to qualify.

Annual Fee$139$139
Extra Card Fee$139$139
Card typeVisaVisa

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