If you know you want to get a Visa Infinite Aeroplan credit card, you might be comparing the RBC Avion Visa Infinite vs. TD Aeroplan Visa Infinite Card. Both cards have similar benefits through Visa Infinite, but TD has different earn rates, benefits, and fees than RBC.
This article compares these cards feature by feature, pointing out the difference between loyalty programs and more, in order to highlight what makes these a pair of excellent travel credit cards.
Key Takeaways
- The RBC Avion Visa Infinite earns Avion points while the TD Aeroplan Visa Infinite Card earns Aeroplan points.
- The RBC Avion has a slightly higher rate of return and lower annual fee.
- The TD Aeroplan Visa is the best credit card for Air Canada travel.
Never miss an amazing deal again + get our bonus 250+ page eBook for FREE. Join 50,000 other Canadians who receive our weekly newsletter – learn more.
RBC Avion Visa Infinite RBC Avion Visa Infinite vs. TD Aeroplan Visa Infinite Card at a glance
These loyalty cards have a lot in common (pretty similar earn rates and insurance, for instance), but there are differences.
| Feature | RBC Avion Visa Infinite | TD Aeroplan Visa Infinite Card |
|---|---|---|
| Annual fee | $120 | $139 |
| Welcome bonus | 55,000 bonus points (terms) | Up to 45,000 bonus points (terms) |
| Maximum rewards | 1.25 points per $1 | 1.5 points per $1 |
| Highest earning categories | Travel | Gas, groceries, and travel with Air Canada |
| Insurance | 12 types | 12 types |
| Special feature | * No blackout or seat restrictions when booking travel | * Partial NEXUS rebate every 48 months |
| Best for | People who want the most flexible redemption options | People who frequently fly with Air Canada |
| Get started | Apply now | Apply now |
These cards are comparable in numerous ways, including their comprehensive insurance packages and generous welcome bonuses. Both cards also come with Visa Infinite benefits, which include:
- Visa Infinite Luxury Hotel Collection
- Visa Infinite Dining Series
- Visa Infinite Complimentary Concierge
- Additional insurance coverage
What we love about the RBC Avion Visa Infinite
×2 Award winner Up to 55,000 points + Up to 2.33% return on purchases.*
2x Award winner Up to 55,000 points + Up to 2.33% return on purchases.*
Pros:
- Save up to 7 cents per litre on fuel at Petro-Canada
- Earn 50 Be Well Points per $1 spent at Rexall
- Ability to convert Avion points to other loyalty programs
- 20% off Hertz rental cars and 3x the points
- Free 12-month DashPass subscription
Cons:
- Additional cards cost $50
- Requires $60,000 personal or $100,000 household income
Although the RBC Avion Visa Infinite doesn't have as many accolades as its Infinite Privilege version, we love the card's generous welcome bonus, everyday discounts, and flexibility when it comes to redeeming points.
Unlike the TD Aeroplan Visa Infinite Card, which is most valuable when you book travel through Air Canada, the Avion Rewards program gives you more chances to use your points without sacrificing value. For instance, you can transfer points to a different loyalty program, use points for travel, donate them to charity, buy gift cards or merchandise, and more.
Rewards:
- 1.25 points per $1 spent on travel
- 1 point per $1 spent on all other purchases
What we love about the TD Aeroplan Visa Infinite Card
Pros:
- Annual fee waived with a TD All-Inclusive Banking Plan
- First checked bags are free on Air Canada
- Preferred Pricing on Aeroplan flight rewards
- Partial NEXUS fee rebate every 48 months
- Ability to earn more Starbucks Stars by linking your card
Cons:
- Only high-value reward is redeeming for Air Canada flights
- Requires $60,000 personal or $100,000 household income
The TD Aeroplan Visa Infinite Card is most notable for earning Air Canada points and for its NEXUS fee rebate of up to $100 CAD every 48 months. You'll also enjoy preferred pricing and free first checked bags on Air Canada for you and up to 8 others on the same reservation.
If you tend to spend a lot on essentials like gas and groceries, this card will give you a higher earn rate than the RBC Avion Visa Infinite.
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
How do the RBC Avion Visa Infinite and TD Aeroplan Visa Infinite Card compare?
As we mentioned, both cards come with Visa Infinite benefits, but they differ in perks, rewards, and annual fees.
Best benefits: TD Aeroplan Visa Infinite Card
TD offers you a NEXUS rebate of $100 every 48 months and delivers lots of Air Canada-specific benefits, including free first checked bags and preferred pricing on Aeroplan flight rewards. It also gives you 50% more Stars at Starbucks when you link your account and provides discounts on rental cars through Avis and Budget.
On the other hand, the RBC Avion Visa Infinite gives you up to 7 cents off per litre at Petro-Canada, 5x the Be Well points at Rexall, extra Moi rewards, and a free DoorDash pass.
Overall, the best card for you depends on whether you'd use the NEXUS rebate (and/or love Starbucks) or prefer the perks of shopping and fuelling up.
Best insurance: tie
These cards offer nearly identical insurance coverage, with a couple of minor differences. First, here's the coverage you'll get with both cards:
- Extended warranty: 1 year
- Purchase protection: 90 days
- Travel accident: $500,000
- Trip cancellation: $1,500
- Trip interruption: $5,000
- Flight delay: $500
- Hotel burglary: $2,500
- Rental car theft and damage
However, the RBC card comes with more mobile device coverage but less emergency medical and baggage delay coverage than the TD Aeroplan Visa Infinite Card:
| RBC Avion Visa Infinite | TD Aeroplan Visa Infinite Card | |
|---|---|---|
| Mobile device | $1,500 | $1,000 |
| Emergency medical term | 15 days | 21 days |
| Emergency medical over 65 | 3 days | 4 days |
| Baggage delay, plus lost or stolen baggage | $500 | $1,000 |
Best welcome bonus: RBC Avion Visa Infinite
The RBC Avion Visa Infinite offers a superb welcome bonus to new cardholders that's worth $1,282. Although the TD welcome bonus is nice – worth up to $900 – it's just not as generous as the RBC offer.
Best rewards: RBC Avion Visa Infinite
Avion and Aeroplan are entirely different reward programs, so it's difficult to make a fair comparison.
If you're looking strictly at value, we have to give the win to the RBC Avion Visa Infinite; Avion points give you a 2.36% return on spending compared to Aeroplan's 2.33% return.
That said, if you're looking for the highest earn rate regardless of value, you'll probably want to go with the TD Aeroplan Visa Infinite Card. You'll earn 1.5 points per $1 spent on Air Canada travel, gas, and groceries, and 1 point per $1 spent everywhere else. The RBC Avion Visa Infinite earns a flat 1 point per $1 spent with a 25% bonus on travel-related purchases.
Highest acceptance: Tie
You shouldn't have any issues getting merchants to accept either Visa card. Visa is accepted in 250+ countries around the world and handles more than $14.2 trillion in global payments.
Interest fees: Tie
Both the RBC and TD cards charge the same interest rate for purchases, cash, advances, and balance transfers. These interest rates are on par with the majority of Canadian credit cards.
| Interest rates | |
|---|---|
| Purchases | 20.99% |
| Cash advances | 22.99% |
| Balance transfers | 22.99% |
Lowest annual fee: RBC Avion Visa Infinite
While both cards have fairly standard fees for premium offerings, the RBC Avion Visa Infinite comes in at a slightly lower $120 vs. TD's $139.
Both cards offer fee waivers when you hold premium bank account packages, though. If you have a TD All-Inclusive Banking Plan or RBC VIP Banking Account, you won't pay an annual fee for these cards for each year that you hold the account.
Lowest eligibility requirements: Tie
As Visa Infinite credit cards, both require at least $60,000 personal or $100,000 household income.
Remember that simply meeting the income requirements doesn't guarantee approval for the card; RBC and TD also consider your credit score and other factors when assessing your application.
The winner: RBC Avion Visa Infinite
It's no secret that the RBC Avion Visa Infinite is one of our favourite cards. Sure, there's an annual fee, but the comprehensive insurance package, ability to quickly earn points, multiple ways to redeem points for high value, and solid welcome bonus definitely make it worthwhile.
That said, if you're a dedicated Air Canada traveller, you'll probably find exactly what you need in the TD Aeroplan Visa Infinite Card.
FAQ
Is an RBC Avion Visa Infinite better than a TD Aeroplan Visa Infinite Card?
One Visa Infinite card isn't necessarily better than the other. The best one for you depends on which rewards program you want to participate in and which bank you'd like to work with, especially if you have a banking plan that allows you to waive a card's annual fee.
Which is better – Aeroplan or Avion rewards?
In the Aeroplan vs. Avion showdown, we'd have to say that Aeroplan is the best airline rewards program. Air Canada partners with dozens of airlines, you have ample opportunities to earn points faster, and the Aeroplan program is simpler to navigate.
Is the TD Aeroplan Visa Infinite Card worth it?
After reading our list, you might wonder why anyone would choose the TD Aeroplan Visa Infinite Card, but hear us out. This Aeroplan card offers distinct Air Canada benefits, such as free checked bags, preferred pricing on your reward flights, elite status for Air Canada miles flown, and a higher earn rate on Air Canada travel.
Is the RBC Avion Visa Infinite worth it?
If you're looking for specific perks like a free 12-month DashPass subscription or you know you want to use the Avion Rewards program, the RBC Avion Visa Infinite is a great credit card option. We also appreciate the fact that you can transfer Avion points to other reward programs, giving you more flexibility.
What are the downsides of the RBC Avion Visa Infinite?
Both credit cards have high income and credit score requirements, but the RBC Avion Visa Infinite has poor redemption value if you don't redeem your points through the Avion fixed travel chart or select airline partners. Travellers may prefer the TD Aeroplan Visa Infinite Card for its hefty list of Air Canada benefits.
creditcardGenius is the only tool that compares 126+ features of 238 Canadian credit cards using math-based ratings and rankings that respond to your needs, instantly. Take our quiz and see which of Canada's 238 cards is for you.
GC: 
Comments
Leave a comment
Required fields are marked with *. Your email address will not be published.