The RBC Avion Visa Infinite and TD Aeroplan Visa Infinite Card are excellent, high-value credit card options. One has an eye-popping welcome bonus, and one is a top Aeroplan credit card, but both offer incredible value.
With similar annual fees, insurance packages, and other features, it can be hard to say which of these cards is better.
The reviews below explore each card’s features and highlight potential drawbacks, helping you feel confident in choosing the best card for you.
Key Takeaways
- The CIBC and TD Aeroplan Visa Infinite credit cards have the same reward and interest rates.
- The CIBC card comes with the opportunity to pay no annual fee.
- The TD card gives you a NEXUS rebate every 48 months.
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CIBC Aeroplan Visa Infinite Card vs. TD Aeroplan Visa Infinite Card at a glance
Take a quick look at how the cards compare. Hint: you’ll have to look closely to spot the minor differences.
| Feature | CIBC Aeroplan Visa Infinite Card | TD Aeroplan Visa Infinite Card |
|---|---|---|
| Annual fee | $139 (waived every year with a CIBC Smart Plus account) | $139 (first year waived) |
| Welcome bonus | Up to 40,000 bonus points (terms) | Up to 45,000 bonus points (terms) |
| Maximum rewards | 1.5 points per $1 | 1.5 points per $1 |
| Highest earning categories | Gas, electric vehicle charging, groceries, and travel with Air Canada | Gas, groceries, and travel with Air Canada |
| Insurance types included | 12 types of coverage | 12 types of coverage |
| Special feature | * CIBC Pace It credit card repayment options | * Get a NEXUS rebate every 48 months |
| Best for | People who frequently fly with Air Canada and bank with CIBC | People who frequently fly with Air Canada and bank with TD |
| Get started | Apply now | Apply now |
What we love about the CIBC Aeroplan Visa Infinite Card
Pros:
- Up to 40,000 welcome and anniversary bonus points
- Free checked bags on Air Canada for car
- Preferred Pricing on Aeroplan flight rewards
Cons:
- Additional cards cost $50
- Income requirements of $60,000 personal or $100,000 household
- Only high-value reward is redeeming for Air Canada flights
The CIBC Aeroplan Visa Infinite Card comes with the standard Visa Infinite benefits, a great fuel discount when you link the card to your Journie Rewards membership, a large welcome bonus, and savings when flying Air Canada. Although CIBC charges a $139 annual fee, it’s waived if you have a CIBC Smart Plus Account.
Rewards:
- 1.5 points per $1 spent on gas, EV charging, groceries, and Air Canada
- 1 point per $1 spent on all other purchases
If you have a CIBC Smart Plus account, it’s a no-brainer to choose the CIBC Aeroplan card since your annual fee is waived every year.
What we love about the TD Aeroplan Visa Infinite Card
Pros:
- Annual fee waived with a TD All-Inclusive Banking Plans
- Free checked bags on Air Canada
- Preferred Pricing on Aeroplan flight rewards
- NEXUS fee rebate every 48 months
Cons:
- Additional cards cost $75
- Only high value reward is redeeming for Air Canada flights
- Income requirements of $60,000 personal or $100,000 household
The TD Aeroplan Visa Infinite Card has a useful benefit that the CIBC card doesn’t: every 48 months, you’ll get a NEXUS fee rebate of up to $100. The card also has higher insurance limits than CIBC, which could make the TD card a better option for someone who frequently travels outside of Canada.
We like this Aeroplan card for its preferred pricing, generous welcome and anniversary bonuses, and the fact that it comes with Visa Infinite benefits that make travel a little nicer.
Rewards:
- 1.5 points per $1 spent on eligible gas, electric vehicle charging, grocery and direct through Air Canada purchases
- 1 point per $1 spent on all other purchases
If you have a TD All-Inclusive Banking Plan, it makes sense to go with the TD Aeroplan Visa Infinite Card – you’ll end up with a premium credit card for free for as long as you have the banking plan.
How do the CIBC Aeroplan Visa Infinite Card and TD Aeroplan Visa Infinite Card compare?
Even though they’re the same Visa cards, Aeroplan Visa Infinite credit cards from different issuers have subtle differences in terms, benefits, and rewards.
Best benefits: tie
If you’re looking for rental car discounts with Avis and Budget, you’ll find it with both cards. Both also allow you to earn elite status at the same rate – and they include Visa Infinite benefits, which give you access to luxury hotels, exclusive dining opportunities, and complimentary concierge services.
You’ll enjoy flexible repayment options with both cards, too. CIBC has Pace It, where you can convert large payments installments to pay them off in smaller chunks. TD has a similar option, giving you the choice to set up a payment plan for 6, 12, or 18 months.
Here’s where the card issuers stand apart. TD offers you a NEXUS rebate of $100 every 48 months and gives you 50% more Stars at Starbucks when you link your account. CIBC gives you a fuel discount of 3 cents per litre at Chevron, Ultramar, and Pioneer (with a linked Journie Rewards account)
So, the best card for you ultimately comes down to whether you’d use the NEXUS rebate (and you love Starbucks) or whether you are a Journie Rewards member looking to fuel up.
Best insurance: TD Aeroplan Visa Infinite Card
These cards come with almost identical insurance coverage, but the TD Aeroplan has a few advantages over the CIBC card. Here’s the insurance you’ll get from both card issuers:
- Extended warranty: 1 year
- Purchase protection: 90 days
- Mobile device: $1,000
- Travel accident: $500,000
- Trip cancellation: $1,500
- Flight delay: $500
- Hotel burglary: $2,500
- Rental car theft and damage
TD offers a little more in the way of travel coverage, though, which puts them ahead in our books:
| CIBC Aeroplan Visa Infinite | TD Aeroplan Visa Infinite | |
|---|---|---|
| Emergency medical term | 15 days | 21 days |
| Emergency medical over 65 | 3 days | 4 days |
| Trip interruption | $2,000 | $5,000 |
| Baggage delay, plus lost or stolen baggage | $500 | $1,000 |
Best rewards: tie
These Aeroplan cards both earn rewards at a flat rate of 1.5 points per $1 spent on Air Canada travel, gas, and groceries, and 1 point per $1 spent everywhere else.
If push came to shove and we had to choose a winner for this category, we’ll mention that the CIBC card also gives you 1.5 points per $1 spent on electric charging (while TD gives you the standard 1 point per $1). But that’s pushing it – the rewards are pretty equal here.
Highest acceptance: tie
Visa is accepted in 200+ countries around the world and handles more than $4.6 billion in global payments. You’ll have no problem finding merchants to accept either of these Aeroplan Visas!
Interest fees: tie
It’s not terribly surprising that the Aeroplan Visa Infinite card has the same interest rates even when issued by different banks. Overall, the interest rates are average for Canadian credit cards.
| CIBC Aeroplan Visa Infinite Card | TD Aeroplan Visa Infinite Card | |
|---|---|---|
| Purchases | 21.99% | 21.99% |
| Cash advances | 22.99% | 22.99% |
| Balance transfers | 22.99% | 22.99% |
Lowest annual fee: tie
While both cards charge $139 per year, you’ll have the opportunity to waive this fee each year with the right banking plan. With TD, you’ll need a TD All-Inclusive Banking Plan and with CIBC, you’ll need a CIBC Smart Plus account.
Lowest eligibility requirements: tie
As Visa Infinite cards, both require at least $60,000 in personal income or $100,000 in household income. Remember that simply meeting the income requirements doesn’t guarantee you approval for the card. The banks also consider your credit score and other factors when assessing whether you qualify for the card.
The winner: tie
Is there any other outcome? With so many similarities between these cards, we hesitated to choose a winner. The best Aeroplan Visa Infinite card really comes down to which bank you want to work with and which of the unique benefits you’d use the most – the partial NEXUS rebate and higher travel insurance or the fuel discount.
With the same Visa Infinite benefits, the same earn rate, the same insurance coverage, and many of the same perks, there’s no wrong option.
FAQ
Do you get lounge access with TD Aeroplan Visa Infinite Card?
To get lounge access, you’ll need the super-premium TD Aeroplan Visa Infinite Privilege card – the standard Visa Infinite won’t get you into a lounge.
Is the annual fee waived for TD Visa Infinite?
TD is currently running an offer that waives the first year annual fee. You can also get the fee waived by participating in the TD All-Inclusive Banking Plan.
Does CIBC Aeroplan have lounge access?
As with the TD card, you’ll need to get the super-premium CIBC Aeroplan Visa Infinite Privilege or business cards to enjoy lounge access.
Do Aeroplan members get priority boarding?
Aeroplan members with elite status get priority boarding. If you’re a Super Elite Aeroplan member, you can board with zone 1. Once you hit 25,000 miles with the Aeroplan program, you’ll get zone 2 priority boarding. Visa Infinite Privilege cards include this benefit, too!
How do you get free checked bags with the TD Aeroplan Visa Infinite Card?
If you use your card to book a flight that originates on Air Canada, you and up to 8 companions each get a free checked bag (up to 23 kg/50 lb).
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