TD Aeroplan® Visa Infinite* Card vs Scotiabank Gold American Express® Card: Which one is better?
TD Aeroplan® Visa Infinite* Card
3.5
Scotiabank Gold American Express® Card
4.9
Finly Rebate
N/A
Finly Rebate
Expires Nov 30, 2024
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
$644.5
Scene+
First Year Bonus
$450
Scene+
Annual Fee
$120
First Year Value
$1,094.5
$524.5 in years after
Based on $2,000/mo average spending. Calculate your rewards.
Insurance Included
Lost or Stolen Baggage
$1,000Baggage Delay
$1,000Car Rental Damage & Theft
yesTravel Accident
$500,000Mobile Device Insurance
$1,000Extended Warranty
1 yearPurchase Protection
90 daysHotel Burglary Insurance
$2500Emergency Out of province Medical
21 daysEmergency Medical Over 65
4 daysTrip Cancellation
$1,500Trip Interruption
$5,000Flight Delay
$500
Insurance Included
Lost or Stolen Baggage
$500/person, $1000/tripBaggage Delay
$500/person, $1,000/trip After 4 hoursCar Rental Damage & Theft
$65K up to 48 daysTravel Accident
$500K/person, $1M/occurrenceMobile Device Insurance
$1,000Extended Warranty
Up to 1 yearPurchase Protection
90 daysHotel Burglary Insurance
$1000/occurrenceEmergency Out of province Medical
$1M, Up to 25 daysEmergency Medical Over 65
$1M, Up to 3 daysTrip Cancellation
$1500/person, $10000/tripTrip Interruption
$1500/person, $10,000/tripFlight Delay
$500/person
Extra Benefits
Concierge Services
Car Rental Discount
10% off base rate of Avis Rent A Car and Budget Rent A CarVisa Infinite Exclusive Benefits
Trip and legal Assistance
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 purchasesFree first checked bag
First checked bag is free for primary cardholder on WestJet flight and up to 8 guestsExtra points
Earn 50% more Stars and 50% more Aeroplan points at participating Starbucks storesExtra points
Earn points twice at over 150 Aeroplan partner brands and over 170 online retailers through the Aeroplan eStoreNexus Program Rebate
$100 every 4 yearsGolf 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
Concierge Services
No Foreign Transaction Fees
Avoid the 2.5% foreign transaction fees incurred when spending in non $CADDiscount
Discount on PriorityPass MembershipAmerican Express® Experiences
Interest Rates
Purchase:
20.99%
Cash Advance:
22.99%
Interest Rates
Purchase:
20.99%
Cash Advance:
22.99%
Balance Transfer:
22.99%
Annual Fee
$139
Annual Fee
$120
$0
First Year Waived
Income Required
Min Personal Income:
$60,000
Min Household Income:
$100,000
Income Required
Min Personal Income:
$12,000
Min Household Income:
$12,000
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
Earn 25,000 bonus Scene+ points by making at least $1,000 in everyday eligible purchases in your first 3 months. Plus, for a limited time, you are eligible to earn a 20,000 Scene+ point bonus when you spend at least $7,500 in everyday eligible purchases in your first year.
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
- 6 Points per $1 spent at Sobeys, Safeway, IGA, Foodland & Participating Co-ops
- 5 Points per $1 spent on eligible dining, other grocery stores, entertainment purchases including movies, theatre, and ticket agencies
- 3 Points per $1 spent on rides which includes rideshare, buses, taxis, subways and more
- 3 Points per $1 spent on eligible streaming service payments (Netflix, Spotify, Disney+, Crave and more)
- 1 Point per $1 spent on all other eligible purchases
Loyalty Program
Loyalty Program
Point Redemption Options
Travel
0.825¢ / pointMerchandise
0.75¢ / pointGift Cards
0.72¢ / pointMost Optimal
Aeroplan® Flights
2.1¢ / pointCar Rentals
0.9¢ / point
Point Redemption Options
Travel
1¢ / pointMerchandise
0.76¢ / pointGift Cards
0.74¢ / pointEntertainment
1¢ / pointGroceries (Sobeys)
1¢ / pointRestaurants
1¢ / pointStatement Credits (Cash)
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?
The Scotiabank Gold American Express® Card is one of our favorite cards. It has a very solid rewards program, earning one of the highest rewards among all credit cards in Canada. In addition, it offers comprehensive travel benefits, including the rare and valuable no foreign transaction fee benefit, making it a great and balanced credit card in terms of both rewards and benefits. The first-year annual fee waiver is the cherry on top, providing even greater value to cardholders.
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
- No foreign transaction fee saves you 2.5% on all non-CAD purchases.
- Rewards cover all high-spending categories, including food, groceries, entertainment, and gas.
- Comprehensive coverage of all travel insurance.
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
- The card network is American Express, which might not be widely accepted in some countries, making it a bit harder to use the no foreign transaction fee benefit.
- Having a lounge pass would have made this card even more perfect, but there is access to a discount code for lounge access pass purchases.
Other Comparisons
Other Comparisons
vs American Express Cobalt® Card
vs Rogers Red Mastercard®
vs Scotiabank Passport® Visa Infinite* Card
vs Rogers Red World Elite® Mastercard®
vs American Express Gold Rewards Card®
vs TD® Aeroplan® Visa Infinite Privilege*
vs TD First Class Travel® Visa Infinite* Card
vs BMO CashBack® World Elite® Mastercard®
vs CIBC Aeroplan® Visa Infinite* Card
vs American Express® Aeroplan®* Card
vs American Express Platinum Card®
Other Comparisons
Other Comparisons
vs American Express Cobalt® Card
vs Rogers Red Mastercard®
vs Scotiabank Passport® Visa Infinite* Card
vs Rogers Red World Elite® Mastercard®
vs American Express Gold Rewards Card®
vs American Express® Green Card
vs MBNA Rewards World Elite® Mastercard®
vs BMO CashBack® World Elite® Mastercard®
vs CIBC Aeroplan® Visa Infinite* Card
vs CIBC Costco Mastercard
vs Scotia Momentum® Visa* Card
vs American Express® Aeroplan®* Card
vs American Express® Aeroplan®* Reserve Card
vs SimplyCash® Card from American Express
vs American Express Platinum Card®