TD Aeroplan® Visa Infinite* Card vs Rogers Red World Elite

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TD Aeroplan® Visa Infinite* Card vs Rogers Red World Elite® Mastercard®: Which one is better?

TD Aeroplan® Visa Infinite* Card

3.2

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RECOMMENDED CREDIT SCORE

300

Poor

560

Fair

660

Good

725

Very Good

760

Excellent

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Rogers Red World Elite® Mastercard®

4.8

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RECOMMENDED CREDIT SCORE*

300

Poor

560

Fair

660

Good

725

Very Good

760

Excellent

Get your free credit score

Finly Rebate

N/A

Finly Rebate

$50 Cash Rebate from FinlyWealth

Rewards Breakdown

Annual Rewards

$541.37

Air Canada Aeroplan®

First Year Bonus

$840

Air Canada Aeroplan®

Annual Fee

$139

First Year Value

$1,381.37

$402.37 in years after

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

Rewards Breakdown

Annual Rewards

$720

First Year Bonus

Annual Fee

First Year Value

$720

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

Car Rental Damage & Theft

yes

Extended Warranty

1 year

Purchase Protection

90 days

Emergency Out of province Medical

21 days

Emergency Medical Over 65

4 days

Trip Cancellation

$1,500

Trip Interruption

$5,000

Lost or Stolen Baggage

$1,000

Baggage Delay

$1,000

Travel Accident

$500,000

Mobile Device Insurance

$1,000

Hotel Burglary Insurance

$2500

Flight Delay

$500

Insurance Included*

Car Rental Damage & Theft

31 days, $65,000 car MSRP

Extended Warranty

1 year

Purchase Protection

90 days

Emergency Out of province Medical

$1M, Up to 10 days

Emergency Medical Over 65

$1M, Up to 3 days

Trip Cancellation

$1,000/person, $5,000 maximum

Trip Interruption

$1,000/person, $5,000 maximum

Extra Benefits

Car Rental Discount

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

Visa Infinite Exclusive Benefits

Trip and legal Assistance

Concierge Services

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

Free first checked bag

First checked bag is free for primary cardholder on Aircanada flights and up to 8 guests

Extra points

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

Extra points

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

Nexus Program Rebate

$100 every 4 years

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*

Airport Lounge - Dragon Pass

Pass only, complimentary visits not included

No Cost roaming

5 days

Interest Rates

Purchase:

20.99%

Cash Advance:

22.99%

Interest Rates*

Purchase:

20.99% - 25.99%²

Cash Advance:

22.99% - 27.99%²

Balance Transfer:

22.99% - 27.99%²

Annual Fee

$139

First Year Waived

Annual Fee*

Income Required

Min Personal Income:

$60,000

Min Household Income:

$100,000

Income Required*

Min Personal Income:

$80,000

Min Household Income:

$150,000

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*

N/A

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*

3% cash back on all U.S dollar purchases
2% cash back on all regular purchases if you have 1 qualifying Rogers, Fido or Shaw service as the account owner
1.5% cash back on all purchases if you do not have 1 qualifying 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

Air Canada Aeroplan®

Loyalty Program*

N/A

Point Redemption Options

Most Optimal

Aeroplan® Flights

2.1¢ / point

Car Rentals

0.9¢ / point

Travel

0.825¢ / point

Merchandise

0.75¢ / point

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 the best in Canada, especially if you are a Rogers, Fido, or Shaw customer. With those services, you can effectively get a 3% cashback rate, which is higher than what almost any other card offers, even those with annual fees! Additionally, for a no-fee card, you gain access to an extensive list of travel benefits, many of which are typically offered only with cards that have annual fees. Therefore, we recommend this card to anyone who meets the income requirements, even if you are not a Rogers customer!

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 the Best Cash Back Card in Canada for Rogers, Fido and Shaw customers by FinlyWealth.
Voted the Best No Annual Fee Credit Card in Canada by FinlyWealth.
There is no annual fee which is a notable benefit for a card with such high rewards. Most cards with slightly lower reward rates typically include yearly fees.
Many favorable benefits for travelers.
Many benefits, such as trip cancellation insurance, are only available on credit cards with an annual fee. It is rare to see these benefits on a no-annual-fee card!
Offers the flexibility to redeem cash towards Rogers, Shaw, or Fido services, potentially increasing your 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

Harder to qualify due to the high credit score and income requirements.
Out of all possible travel insurances, this card is missing Baggage delay and Hotel Burglary insurance. If these two insurances are essential to someone, this card needs to be paired with another travel card to cover them.