TD Aeroplan® Visa Infinite* Card

TD Aeroplan® Visa Infinite* Card

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AmericanExpress Platinum Card

American Express Platinum Card®

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TD Aeroplan® Visa Infinite* Card vs American Express Platinum Card®: Which one is better?


TD Aeroplan® Visa Infinite* Card

TD Aeroplan® Visa Infinite* Card

3.5


RECOMMENDED CREDIT SCORE

300
Poor
560
Fair
660
Good
725
Very Good
760
Excellent

AmericanExpress Platinum Card

American Express Platinum Card®

4.5


RECOMMENDED CREDIT SCORE*

300
Poor
560
Fair
660
Good
725
Very Good
760
Excellent

Rewards Breakdown

Annual Rewards

$541.37

Air Canada Aeroplan®


First Year Bonus

$735

Air Canada Aeroplan®


Annual Fee

$139


First Year Value

$1,137.37

$402.37 in years after

Based on $2,000/mo average spending. Calculate your rewards.

Rewards Breakdown

Annual Rewards

$581.26

American Express Membership Rewards


First Year Bonus

$0

American Express Membership Rewards


Annual Fee

$799


First Year Value

-$217.74

Based on $2,000/mo average spending. Calculate your rewards.

Insurance Included

  • lost baggage

    Lost or Stolen Baggage

    $1,000
  • hourglass timer

    Baggage Delay

    $1,000
  • car insurance

    Car Rental Damage & Theft

    yes
  • heart lock

    Travel Accident

    $500,000
  • extended warranty

    Extended Warranty

    1 year
  • purchase protection

    Purchase Protection

    90 days
  • burglar

    Hotel Burglary Insurance

    $2500
  • travel accident medical

    Emergency Out of province Medical

    21 days
  • cancel airplane

    Trip Cancellation

    $1,500
  • pause

    Trip Interruption

    $5,000
  • hourglass timer

    Flight Delay

    $500

  • mobile device insurance

    Mobile Device Insurance

    $1,000
  • travel accident medical

    Emergency Medical Over 65

    4 days

Insurance Included*

  • lost baggage

    Lost or Stolen Baggage

    $1,000
  • hourglass timer

    Baggage Delay

    $1,000
  • car insurance

    Car Rental Damage & Theft

    Yes
  • heart lock

    Travel Accident

    $500,000
  • extended warranty

    Extended Warranty

    1 year
  • purchase protection

    Purchase Protection

    120 days
  • burglar

    Hotel Burglary Insurance

    $1000
  • travel accident medical

    Emergency Out of province Medical

    15 days
  • cancel airplane

    Trip Cancellation

    $2,500
  • pause

    Trip Interruption

    $2,500
  • hourglass timer

    Flight Delay

    $1,000

Extra Benefits

  • gavel

    Trip and legal Assistance

  • concierge

    Concierge Services

  • star fall

    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
  • reward cup

    Extra points

    Earn 50% more Stars and 50% more Aeroplan points at participating Starbucks stores
  • reward cup

    Extra points

    Earn points twice at over 150 Aeroplan partner brands and over 170 online retailers through the Aeroplan eStore
  • border guard

    Nexus Program Rebate

    $100 every 4 years

  • car rental

    Car Rental Discount

    10% off base rate of Avis Rent A Car and Budget Rent A Car
  • exclusive

    Visa Infinite Exclusive Benefits

  • luggage

    Free first checked bag

    First checked bag is free for primary cardholder on WestJet flight and up to 8 guests
  • golf clubs

    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*

  • gavel

    Trip and legal Assistance

  • concierge

    Concierge Services

  • star fall

    Status lift

    Upgrade to Hilton Honors Gold Status
  • star fall

    Status lift

    Upgrade to Marriott BonvoyTM Gold Elite status
  • reward cup

    Extra points

    Earn 2 points on Amex Travel Online purchases and extra points on American Express offers
  • border guard

    Nexus Program Rebate

    $100 statement credit every 4 years

  • Amex logo

    American Express® Experiences

  • travel

    Travel Credit

    $200
  • food location

    Dining Credit

    $200 at Select Restaurants
  • alcohol cheers

    Airport Lounge - American Express Global Lounge

    Take full advantage of The American Express Global Lounge Collection™ which unlocks access to over 1,400 airport lounges worldwide. This includes The Centurion® Lounge network, Plaza Premium Lounges, and hundreds of other domestic and international lounges designed to enhance your travel experience.
  • hotel

    Complimentary Hotel Benefits

    Hotels booked American Express Travel
  • airport waiting room

    Priority Travel

    At Toronto Pearson Airport get Priority Security lane, Complimentary valet and 15% discount at the Express Park and daily park

Interest Rates

Purchase:

20.99%

Cash Advance:

22.99%

Interest Rates*

Purchase:

21.99% - 30%2

Cash Advance:

21.99% - 30%2

Annual Fee

$139

Annual Fee*

$799

Income Required

Min Personal Income:

$60,000

Min Household Income:

$100,000

Income Required*

Min Personal Income:

N/A

Min Household Income:

N/A

Welcome Bonus

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 $7,500 within 180 days of Account opening. Plus, earn a one-time anniversary bonus of 15,000 Aeroplan points when you spend $12,000 within 12 months of Account opening.

Welcome Bonus*

New Platinum® Cardmembers, earn 100,000 Welcome Bonus points after you charge $10,000 in net purchases to your Card in your first 3 months of Cardmembership. Plus, earn 40,000 points when you make a purchase between 14 and 17 months of Cardmembership. Offer ends Jan 28, 2025.

Rewards Rate

  • 1.5x Aeroplan points per $1 spent on gas, groceries, Air Canada and Air Canada vacations (maximum 120,000 points annually)
  • 1x Aeroplan point per $1 spent on all other eligible purchases

Rewards Rate*

  • 2x points per $1 spent on eligible dining & food delivery purchases (restaurant, fast food, coffee shop, food delivery)
  • 2x points per $1 spent on eligible travel purchases (flights, hotels, tours and more)
  • 1x point per $1 spent for all other purchases

Point Redemption Options

  • online shop

    Merchandise

    0.75¢ / point
  • gift card

    Gift Cards

    0.72¢ / point

  • Most Optimal

    flight plane

    Aeroplan® Flights

    2.1¢ / point
  • car rental

    Car Rentals

    0.9¢ / point
  • travel - plane

    Travel

    0.825¢ / point

Point Redemption Options*

  • gift card

    Gift Cards

    0.765¢ / point
  • online shop

    Merchandise

    0.63¢ / point

  • Most Optimal

    plane

    Transfer to Airline Partners

    2.1¢ / point
  • travel - plane

    Fixed Point Travel Program

    1.66¢ / point
  • hotel

    Transfer to Hotel Partners

    1.66¢ / point
  • cash coins

    Statement Credits (Cash)

    1¢ / point
  • amazon logo

    Amazon.ca

    0.7¢ / point

Is this card worth 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 waiver, 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.

Is this card worth it?

If you're a frequent traveler, the Platinum card is an excellent choice. It's highly recommended for its extensive travel benefits, including unlimited lounge access for you and a guest at the American Express Lounge collection, making it the best card for lounge access in Canada. The card also offers unique perks not commonly found with other Canadian cards, such as status upgrades at Marriott Bonvoy and Hilton, dining and travel credits, concierge service, airport benefits, Nexus application reimbursement, and more. These benefits can more than offset the annual fee. However, if you don't travel often or are mainly looking for a card that maximizes rewards, this card may not be the best option for you.

Pros

  • Earn up to 40,000 Aeroplan points (welcome bonus offer ends January 6, 2025).
  • 1.5 points per $1 on gas, groceries, and Air Canada purchases.
  • Free checked bags and Preferred Pricing on Air Canada rewards flights.
  • Extensive insurance coverage with 12 types of insurance.

Pros

  • Offers more perks than any other credit card in Canada, catering to premium users who value extensive benefits.
  • Enjoy $400 in annual travel and dining credits, which can offset some of the card's cost.
  • Gain unlimited access to over 1,400 airport lounges worldwide, enhancing your travel experience.
  • Multiple options for redeeming points for high value, giving you flexibility in how you use your rewards.
  • Includes 11 types of insurance coverage, offering comprehensive protection for cardholders.

Cons

  • The rewards rate on this card is not that high. There are non-Aeroplan cards with much better reward programs, and their points can later be transferred to this card, making them better options if you are looking to gather Aeroplan points.
  • You lose the flexibility to use other airlines if you want to take advantage of the benefits of this card.

Cons

  • As with other American Express cards, it may have lower acceptance in some locations compared to other networks.
  • The high annual fee of $799 may be a barrier for some users, especially those who do not fully utilize the card's benefits.
  • Some benefits are limited to specific airports and hotels.

Legal


*American Express is not responsible for maintaining or monitoring the accuracy of information on this website. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment. Check here for full details and current product information.
2 This Charge Card requires full payment of the Due in Full balance each month, with a 30% interest rate on late payments. The Flexible Payment Option balance has a 21.99% interest rate, which increases to 25.99% after two missed payments and 28.99% after three or more within 12 months. A 21-day interest-free grace period applies to new transactions if the full balance is paid by the due date.

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