TD Aeroplan® Visa Infinite* Card

TD Aeroplan® Visa Infinite* Card

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Rogers Red Mastercard

Rogers Red Mastercard®

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TD Aeroplan® Visa Infinite* Card vs Rogers Red Mastercard®: 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

Rogers Red Mastercard

Rogers Red Mastercard®

4.5


RECOMMENDED CREDIT SCORE

300
Poor
560
Fair
660
Good
725
Very Good
760
Excellent

Finly Rebate

N/A

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

$720


First Year Bonus

$90


Annual Fee

$0


First Year Value

$810

$720 in years after

Based on $2,000/mo average spending and assuming you have an eligible Rogers, Fido or Shaw service as the primary or level 1 authorized user. 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
  • mobile device insurance

    Mobile Device Insurance

    $1,000
  • 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
  • travel accident medical

    Emergency Medical Over 65

    4 days
  • cancel airplane

    Trip Cancellation

    $1,500
  • pause

    Trip Interruption

    $5,000
  • hourglass timer

    Flight Delay

    $500

Insurance Included

  • credit card dollar

    Balance Protection

    Minimum payments

Extra Benefits

  • car rental

    Car Rental Discount

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

    Visa Infinite Exclusive 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
  • luggage

    Free first checked bag

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

  • mobile phone wifi

    No Cost roaming

    5 days

Interest Rates

Purchase:

20.99%

Cash Advance:

22.99%

Interest Rates

Purchase:

19.99%

Cash Advance:

22.99%

Annual Fee

$139

Annual Fee

$0

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

$60 cash back when you make a mobile wallet purchase within the first 90 days and 6 automatic payments within the first 8 months for your Rogers, Fido or Shaw postpaid service ($90 if redeemed for Rogers, Fido or Shaw purchases).

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

  • 2% cashback on all purchases if you have 1 qualifying Rogers, Fido or Shaw service as the account owner
  • 2% cashback on all U.S dollar purchases and 1% on all other eligible purchases if you do not have a qualifying Rogers, Fido or Shaw service
  • 1.5x redemption bonus on your earned cash back value when used on Rogers, Fido and Shaw purchases – that’s a 3% cash back value

Loyalty Program

Loyalty Program

N/A

Point Redemption Options

  • Most Optimal

    flight plane

    Aeroplan® Flights

    2.1¢ / point
  • car rental

    Car Rentals

    0.9¢ / point
  • travel - plane

    Travel

    0.825¢ / point
  • online shop

    Merchandise

    0.75¢ / point
  • gift card

    Gift Cards

    0.72¢ / point

Point Redemption Options

Not Applicable

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?

This card is one of our top-ranked options in terms of rewards, especially if you are a Rogers, Fido, or Shaw customer. With those services, you can effectively get a 3% cashback rate, which is a higher rate than almost any other card offers, even those with annual fees! If you have a high income of $80K or a household income of $150K, you can apply for the World Elite version of this card, which comes with additional insurance and benefits like a lounge pass.

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

  • Voted as the Best Cash Back Card in Canada for Rogers, Fido and Shaw Customers by FinlyWealth.
  • There is no annual fee, a notable perk for a card with such high reward multipliers. Most cards with slightly lower reward rates typically have annual fees.
  • Offers the flexibility to redeem cash towards Rogers, Shaw, or Fido services, potentially increasing the value of your earned rewards.
  • The roam-like benefit is a benefit unique only to this card.
  • It is accepted at nearly all locations as it's a Mastercard.

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

  • No real insurance coverage (only balance protection), not even purchase protection or extended warranty which are pretty standard benefits for almost all credit cards.
  • Low rewards multiplier if you don't have an eligible Rogers, Shaw, or Fido service.

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