A comparison of CIBC Aeroplan Visa Infinite vs. TD Aeroplan Visa Infinite shows that with a NEXUS rebate and bonus World of Hyatt reward points on qualifying hotel stays, the TD card comes out on top.
Truthfully, these Aeroplan cards are almost identical in features, and it may come down to which bank you prefer.
This article does a deep dive and explores all the details, including rewards, fees, perks, and more, to help you find the right card for your needs.
Key Takeaways
- The CIBC and TD Aeroplan Visa Infinite credit cards have the same rewards and interest rates.
- You can earn a rebate on annual fees for either of these cards if you have the appropriate CIBC or TD chequing account.
- The TD card gives you a NEXUS rebate every 48 months and offers bonus World of Hyatt rewards points on qualifying hotel stays.
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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.
| CIBC Aeroplan Visa Infinite Card | TD Aeroplan Visa Infinite Card | |
|---|---|---|
| Annual fee | $139 (waived for the first year, with the potential to have additional years waived through a CIBC Smart Account) | $139 (waived for the first year) |
| Additional Cardholder Fee | $50 | $75 |
| Income Requirements | $60,000 personal or $100,000 household | $60,000 personal or $100,000 household |
| Welcome Bonus | Up to 50,000 bonus points (terms) | Up to 50,000 bonus points (terms) |
| Reward Program | Aeroplan | Aeroplan |
| 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, electric vehicle charging, groceries, and travel with Air Canada |
| Insurance | 12 types of coverage | 12 types of coverage |
| Special Feature | CIBC Pace It credit card repayment options | Get a NEXUS rebate every 48 months |
| Learn More | Learn more | Learn more |
What we love about the CIBC Aeroplan Visa Infinite Card
Pros:
- Up to 50,000 Aeroplan points through welcome and anniversary bonuses
- Free first checked bag for you, authorized users, and up to 8 companions on Air Canada flights
- Preferred Pricing on Aeroplan flight rewards
Cons:
- Additional cards cost $50
- Income requirements of $60,000 personal or $100,000 household
- Best value comes from redeeming points for Air Canada flights
The CIBC Aeroplan Visa Infinite Card includes the standard Visa Infinite benefits, complimentary Avis rental car upgrades, a large welcome bonus, and savings when flying Air Canada. Although CIBC charges a $139 annual fee, you can get a full or partial rebate with a CIBC Smart Account (Tier 2 or 3).
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 Tier 2 or 3 CIBC Smart account, it's a no-brainer to choose the CIBC Aeroplan card since you'll get a very helpful rebate on your credit card's annual fee.
What we love about the TD Aeroplan Visa Infinite Card
×2 Award winner 
Pros:
- Annual fee rebate with a TD All-Inclusive Banking Plan
- Free first checked bag for you and up to 8 companions on Air Canada flights
- 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 CAD. The card also earns bonus World of Hyatt rewards points when booking stays at Hyatt properties.
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 since you'll get the annual fee waived.
How do the CIBC Aeroplan Visa Infinite Card and TD Aeroplan Visa Infinite Card compare?
Although both are Aeroplan Visa Infinite cards, the CIBC and TD versions differ in terms, benefits, and rewards. Take a look:
Best benefits: Tie
If you're looking for rental car discounts with Avis and Budget, you'll find them 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 offers Pace It, which lets you convert large payments into installments and pay them off in smaller chunks. TD offers a similar option, letting you set up a payment plan for 6, 12, or 18 months.
Both cards offer bonus points for booking at Hyatt hotels and resorts: with each card, you'll earn 1 bonus point per $1 spent. However, with the TD card, you'll also earn 1 World of Hyatt point per $1 spent.
Here's where the card issuers stand apart. TD offers you a NEXUS rebate of $100 CAD every 48 months and gives you 50% more Starbucks Stars when you link your account. CIBC gives a free Skip+ membership and 50% off Disney+ for 6 months.
So, the best card for you ultimately comes down to whether you'd use the NEXUS rebate (and you love Starbucks) or whether you're looking to save on subscriptions.
Best for low fees: CIBC Aeroplan Visa Infinite Card
These cards have the same $139 annual fee, and both provide opportunities for fee rebates. With TD, you'll need a TD All-Inclusive Banking Plan, and with CIBC, you'll need a CIBC Smart account.
However, if you want to add an extra cardholder, the fees are different. TD charges $75, while CIBC only charges $50.
Best interest rates: Tie
It's not terribly surprising that Aeroplan Visa Infinite cards have the same interest rates even when issued by different banks. Overall, these specific cards have interest rates that are on par with average 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% |
Note: At the time of writing, neither of these cards has a balance transfer promotion.
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:
CIBC Aeroplan Visa Infinite Card
| Extended Warranty | 1 year |
| Purchase Protection | 90 days |
| Mobile Device | $1,000 |
| Travel Accident | $500,000 |
| Emergency Medical Term | 15 days |
| Emergency Medical Maximum Coverage | $5,000,000 |
| Emergency Medical over 65 | 3 days |
| Trip Cancellation | $1,500 |
| Trip Interruption | $2,000 |
| Flight Delay | $500 |
| Baggage Delay | $500 |
| Lost or Stolen Baggage | $500 |
| Hotel Burglary | $2,500 |
| Rental Car Theft & Damage | Yes |
Please review your insurance certificate for details, exclusions and limitations of your coverage.
TD® Aeroplan® Visa Infinite* Card
| Extended Warranty | 1 year |
| Purchase Protection | 90 days |
| Mobile Device | $1,000 |
| Travel Accident | $500,000 |
| Emergency Medical Term | 21 days |
| Emergency Medical Maximum Coverage | $2,000,000 |
| Emergency Medical over 65 | 4 days |
| Trip Cancellation | $1,500 |
| Trip Interruption | $5,000 |
| Flight Delay | $500 |
| Baggage Delay | $1,000 |
| Lost or Stolen Baggage | $1,000 |
| Hotel Burglary | $2,500 |
| Rental Car Theft & Damage | Yes |
Please review your insurance certificate for details, exclusions and limitations of your coverage.
There are some significant differences in the insurance coverage offered by these cards. TD offers more coverage for trip interruption and baggage, while CIBC offers more emergency medical coverage: $5 million compared with TD's $2 million.
Best rewards: tie
These Aeroplan cards both earn rewards at a flat rate of 1.5 points per $1 spent on:
- Air Canada travel
- EV charging
- Gas
- Groceries
Plus, users earn 1 point per $1 spent outside these categories, on pretty much everything else.
Both cards earn 1 bonus point per $1 spent at Hyatt hotels and resorts.
Plus, both cards let you earn World of Hyatt reward points on top of your Aeroplan points.
Best for easier eligibility: TD Aeroplan Visa Infinite Card
As Visa Infinite cards, both require at least $60,000 personal or $100,000 household income. Remember, meeting the income requirements doesn't guarantee approval for the card – the banks also consider your credit score and other factors when assessing whether you qualify for the card.
We estimate that the TD card has slightly lower credit score requirements, making it easier to qualify for.
The winner: TD Aeroplan Visa Infinite Card
The 2 cards were previously pretty evenly matched, but a few changes have given the TD Aeroplan Visa Infinite Card a slight edge. CIBC has dropped its fuel discount, which was a valuable perk. Plus, the TD Aeroplan Visa Infinite Card is easier to qualify for.
The differences between these Aeroplan cards are pretty minor, so your decision might just come down to which bank you prefer – especially if you already have a banking package that can help you waive the annual fee.
FAQ
How do the CIBC Aeroplan Visa Infinite Card and TD Aeroplan Visa Infinite Card compare?
Both of these Aeroplan cards have very similar reward structures, annual fees, interest rates, and insurance coverage. Their differences are minor, like the cost to add a cardholder, partner perks associated with the card, and insurance coverage limits. Ultimately, the TD card comes out on top.
Which is better, TD Aeroplan or CIBC Aeroplan?
Competition is tight, but we think the TD Aeroplan Visa Infinite Card has a slight lead in several comparison categories. TD cardholders earn bonus Hyatt loyalty points on qualifying hotel stays, and the card has lower credit score requirements, making it easier to qualify. Still, everyone's preferences are different, so compare features and benefits before deciding.
Is the CIBC Aeroplan Visa Infinite Card worth it?
If you have a CIBC Smart Account that waives the annual fee, the CIBC Aeroplan Visa Infinite Card can definitely be worth having. It's also valuable if you subscribe to memberships like Disney+ or Skip+, since you'll either get a free or discounted membership.
Does the TD Aeroplan Visa Infinite Card have lounge access?
Unfortunately, no, the TD Aeroplan Visa Infinite Card doesn't get you into any airport lounges – neither does the CIBC Aeroplan Visa Infinite Card. To get Maple Leaf Lounge access, you'd need to upgrade to the Visa Infinite Privilege version of either the CIBC or TD card.
Which Aeroplan credit card is the best in Canada?
The best credit card for Aeroplan is actually the American Express Cobalt Card, since you can transfer Amex Reward points to Aeroplan at a high rate. The best Aeroplan-branded card on our list is the TD Aeroplan Visa Infinite Card.
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