If you know you’d like a Visa Infinite credit card, you might compare the TD First Class Travel Visa Infinite Card vs. the RBC Avion Visa Infinite. At first glance, these cards are similar – same annual fee, same network, same income requirements. But there are key differences that make these cards stand out.
We’ll dive into the best features and benefits of both credit cards, like the RBC card’s high average rate of return and the TD card’s fantastic travel perks. And, we’ll help you determine which card is best for your financial goals and needs.
Key Takeaways
- The RBC Avion Visa Infinite is slightly easier to qualify for and offers a higher average rate of return.
- The TD First Class Travel Visa Infinite Card waives the annual fee for the first year and includes more valuable travel benefits.
- The best card for you depends on your travel goals and spending habits.
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TD First Class Travel Visa Infinite Card vs. RBC Avion Visa Infinite at a glance
Take a look at how these two cards compare when it comes to basic details:
| Feature | TD First Class Travel Visa Infinite Card | RBC Avion Visa Infinite |
|---|---|---|
| Annual fee | $139 | $120 |
| Welcome bonus |  $20 GeniusCash + Up to 165,000 bonus points (terms) | 55,000 bonus points (terms) |
| Maximum rewards | 8 points per $1 spent on travel booked through Expedia For TD | 1.25 points per $1 spent on travel |
| Maximum point value | 0.5 cents cents | 2.33 cents |
| Income requirements | $60,000 personal or $100,000 household | $60,000 personal or $100,000 household |
| Highest earning categories | Travel booked through Expedia for TD | Travel |
| Insurance types included | 12 types | 12 types |
| Special features | * Visa Airport Companion membership with four free passes * Annual $100 travel credit * Annual fee waived for the first year | * Save 3 cents per litre on fuel at Petro-Canada * Earn 50 Be Well points per $1 spent at Rexall * Ability to transfer points to four airline reward programs |
| Best for | People who are looking for broad travel rewards and perks | People who are looking for flexible redemption options with everyday discounts |
| Get started | Apply now | Apply now |
While the Visa Airport Companion program is available for all Visa Infinite Privilege cardholders, it’s only offered for select Visa Infinite cards, so the TD First Class Travel Visa Infinite Card is a great way to get access to this premium benefit through a card with a lower annual fee.
When it comes to points, these cards can be tricky to compare, since points earned per dollar and point value are so different. But, in general, the TD First Class Travel Visa Infinite Card will net you more points per dollar and higher point value when you spend and redeem with Expedia For TD. But the RBC Avion Visa Infinite offers more flexibility.
For example, if you spend $2,000 on travel through Expedia For TD, you’ll earn 16,000 points that you can put toward another $80 of Expedia For TD spend. In contrast, spending $2,000 on any travel with your RBC Avion Visa Infinite gets you 2,500, equivalent to only $58.25 in Avion Air Travel Redemption Schedule spend – or even less if redeemed in other areas.
However, when you spend across multiple categories, such as groceries, bills, and general purchases, RBC Avion Visa Infinite tends to come out on top. Overall, it offers a higher average return on rewards of 2.36% to TD’s 1.98%.
What we love about the TD First Class Travel Visa Infinite Card
GC: $20
Pros:
- Annual fee is waived for the first year
- Annual birthday bonus
- No blackout dates or travel restrictions for booking travel with your points
Cons:
- High income requirements of either $60,000 personal or $100,000 household
- Points are only worth 0.5 cents each
The TD First Class Travel Visa Infinite offers a lot for frequent fliers. Not only will you earn 8 points per $1 spent when booking travel through Expedia For TD, but you’ll also get a $100 annual travel credit and a Visa Airport Companion membership with four free passes.
The insurance coverage is solid and we love the fact that you can redeem points for travel, Amazon purchases, gift cards, merchandise, or cash back against your statement.
What we love about the RBC Avion Visa Infinite
×1 Award winner 
Pros:
- Save 3 cents per litre on fuel at Petro-Canada
- Earn 50 Be Well points per $1 spent at Rexall
- Ability to transfer points to four airline reward programs
Cons:
- Highest redemption value limited to the Air Travel Redemption Schedule
- High income requirements of either $60,000 personal or $100,000 household
- No airport lounge access
While the Air Travel Redemption Schedule offers the best value, the RBC Avion Visa Infinite gives you lots of reward redemption options. You can transfer your points to an airline loyalty program or redeem them for merchandise, RBC financial products, gift cards, statement credits, or even charitable donations.
The RBC card also gives you a solid insurance package and great everyday discounts, like savings when you fuel up at Petro-Canada or link your Be Well card to earn points at Rexall.
How do they compare?
But which card is right for you? Take a look at how the TD and RBC cards compare by feature.
Best benefits: TD First Class Travel Visa Infinite Card
Before we mention the differences, be aware that both cards give you access to Visa Infinite benefits, including the Luxury Hotel Collection, 24/7 concierge service, and Dining Series.
RBC cardholders will find useful benefits, like the opportunity to earn points at Rexall, a free 12-month DoorDash subscription, and discounts at Hertz and Petro-Canada. You also have the opportunity to add insurance coverages like roadside assistance and identity theft protection.
Those are great benefits, but the TD card offers more valuable travel benefits, like an annual $100 travel credit for booking travel through Expedia for TD and membership in the Visa Airport Companion Program, along with four free lounge passes. TD also waives the card’s annual fee for the first year and gives you the opportunity to earn a 10,000-point birthday bonus every year.
Best insurance: TD First Class Travel Visa Infinite Card
Both cards offer the same types of insurance coverage, but the TD First Class Travel Visa Infinite offers higher limits for several types. For instance, you’ll get $1,500 in mobile device coverage (compared to $1,000), 21 days of emergency medical coverage with 4 days for those over 65 (compared to 15 days with 3 days for those over 65). You’ll also get slightly more baggage insurance.
Best rewards: RBC Avion Visa Infinite
Even though these are both Visa Infinite cards, you’ll earn points with different rewards programs (TD Rewards and RBC Avion Rewards).
The easiest way to evaluate their value is to do a straight comparison of their average rate of return. Here, we get a clear winner: the RBC card gives a 2.36% average return on spending, while the TD card gives 1.98% back.
Highest acceptance: tie
You should have no problem finding merchants who accept either of these cards since they’re both part of the Visa credit card network.
Best interest rates: RBC Avion Visa Infinite
The balance transfer and cash advance interest rates are 22.99% for both cards, but the RBC Avion offers a lower purchase interest rate of 20.99% (compared to 21.99%). It’s a minor difference, but one that could add up if you tend to carry a balance.
Lowest annual fee: TD First Class Travel Visa Infinite Card
While it’s true that both cards charge a $139 annual fee, we want to point out that the TD card waives the fee for the first year, giving it a slight advantage.
Lowest eligibility requirements: RBC Avion Visa Infinite
Although both cards have a $60,000 personal or $100,000 household income requirement, you’ll need a somewhat better credit score to qualify for the TD First Class Travel Visa Infinite Card. This makes the RBC Avion Visa Infinite easier to qualify for.
The winner: RBC Avion Visa Infinite
This was a very close comparison, but the RBC Avion Visa Infinite is easier to qualify for, has slightly better interest rates, and gives a better average rate of return.
However, those who are loyal to Expedia travel may find more value in the TD First Class Travel Visa Infinite Card, especially if you appreciate airport lounge access. You’ll enjoy travel credits, birthday bonuses, and more insurance coverage.
FAQ
How can I choose between the TD First Class Travel Visa Infinite Card vs. RBC Avion Visa Infinite?
Start by asking yourself what you value most in a credit card and determine which reward program you’d like to participate in. Frequent Expedia users will probably appreciate the TD card, while RBC gives great value on everyday purchases.
What are Visa Infinite credit cards?
Visa Infinite cards are Visa’s mid-tier credit cards that offer services like concierge service, access to the Luxury Hotel Collection and Dining Series, plus better reward earn rates than the basic tier of Visa cards.
Is the RBC Avion Visa Infinite card worth it?
The RBC Avion Infinite is a great option if you’re looking for a Visa Infinite card that offers a high average rate of return (plus the ability to transfer points to airline rewards programs).
Is the TD First Class Travel Visa Infinite Card good?
The TD First Class Travel Visa Infinite Card is a great travel credit card. It offers a high earn rate for travel, includes airport lounge access, and gives a comprehensive travel insurance package, all for a modest annual fee.
What are the downsides of the RBC Avion Visa Infinite?
If you’re looking for airport lounge access, you’re out of luck unless you spring for the RBC Avion Visa Infinite Privilege card. We’ll also mention that the reward value drops considerably if you redeem points for anything other than travel.
Which is the best travel credit card in Canada?
The best travel credit card is the American Express Cobalt Card, which earns up to 5 points per $1 spent, includes ten types of insurance coverage, and allows you to convert points to travel rewards programs.
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