Canadian credit cards provide exceptional advantages, safety, and insurance.
Key Comparisons
| TD® Aeroplan® Visa Infinite* Card | RBC Avion Visa Infinite Business | |
| Estimated Credit Score | 660 | 660 |
| Annual Fees | 139 | 175 |
| Interest Rate | 19.99% | 19.99% |
| Insurance Coverage | Yes | Yes |
| Pros | 1. Free first checked bag for you and up to eight travel companions on the same reservation for Air Canada® flights. 2. Earn 1.5 points† for every $1 spent on eligible gas, grocery, and direct through Air Canada® purchases (including Air Canada Vacations®) and Earn 1 Aeroplan point† for every $1 spent on all other purchases made with your card. 3. Up to $1 million of travel medical coverage†, plus insurance for trip/cancellation, delayed/lost baggage, flight/trip delay, and Auto Rental Collision/Loss Damage. 4. Easy to redeem your Aeroplan Points for flights, travel packages, hotels, car rentals, and more through AirCanada.com. | 1. Earn 1 RBC Rewards® point for every dollar you spend* and an extra 25% on eligible travel purchases. 2. Insurance coverage for credit card owners, partners, and children, including mobile devices, travel coverage, and more. 3. Pool the points you earn from your business and personal accounts to earn rewards faster. 4. You can earn 1.25 RBC Rewards points for every $1 spent in net purchases, on up to $75,000 per year using RBC Avion Visa Infinite Business card |
| Cons | 1. No airport lounge membership or free lounge access. 2. Aeroplan points can’t be redeemed for flights outside the Star Alliance network, nor can they be redeemed for cash credit. 3. Aeroplan points aren’t as flexible as some other travel points programs. | 1. $120 annual fee and with a minimum personal income of $60,000. 2. The points-to-dollars ratio is average, and there are few opportunities for accelerated earning. 3. Not the greatest rewards outside of the airline chart and transfer partners. |
Key Benefits of TD® Aeroplan® Visa Infinite* Card
Welcome Bonus and Rewards
Earn up to $1,400 in value, which includes up to 50,000 Aeroplan points, the first year is free, and extra travel perks. apply online by January 3, 2023. Earn 10,000 Aeroplan points as a welcome bonus when you use your new card for the first time, earn 20,000 Aeroplan points after spending $1,500 within 90 days of account opening, earn an additional 20,000 Aeroplan points after spending $7,500 within 12 months of account opening, enroll in NEXUS to receive an application fee refund once every 48 months, share free first checked bags, and receive an annual fee refund for the first year. Avoiding paying for extra baggage and moving quickly through the airport. When your trip begins with an Air Canada flight, all Primary Cardholders, Additional Cardholders, and traveling companions (up to eight) will receive their first checked bag (up to 23kg/50lb) free of charge. As long as you have a valid TD® Aeroplan® Visa Infinite Primary Card, your Aeroplan points will not expire. The only way for Additional Cardholders to use any applicable Air Canada travel benefits is to link their Aeroplan numbers.
Card Protection
If you use your Card to buy eligible new items, you automatically have access to Purchase Security and Extended Warranty Protection, which will protect you if they are stolen or damaged within 90 days of purchase. You can be eligible for a warranty extension of up to 12 more months if the product has a manufacturer’s warranty that is valid in Canada. In the case of a covered Job Loss, Total Disability, or loss of Life, the optional TD Credit Card Payment Protection Plan is intended to assist you in meeting your TD Credit Card payment obligations. to find out more information regarding the optional TD Credit Card Payment Protection Plan products. Also included is $1,000 in coverage for qualified mobile devices in the case of loss, theft, damage from an accident, or mechanical failure.
Additional Benefits
For eligible car rentals at participating Avis and Budget locations, use your TD Credit Card to save at least 10% off the lowest available base rates in Canada and the U.S. and at least 5% off the lowest available base rates worldwide. At participating Starbucks® locations, earn 50% more Aeroplan miles and 50% more stars just link your Starbucks® Rewards account to your TD Aeroplan Visa Infinite Card. TD Payment Plans make it simple to convert purchases worth $100 or more into affordable 6, 12, or 18 month Payment Plans.
Key Benefits of RBC Avion Visa Infinite Business
Perks and Rewards
For the first $75,000 in annual expenditures, earn 1.25 points for every dollar spent. 1 point is awarded for every $1 you spend after your regular purchase. That’s a return of up to 2.91% on your first $75,000 in yearly spending, which is a remarkable earning rate on spending. British Airways, Cathay Pacific, American Airlines, and Westjet are the four airline partners to which you can transfer your points. The option to transfer points to Hudson’s Bay is also available. You receive 2 Hudson’s Bay points for every 1 RBC Rewards point. It is worth 1 cent per HBC point, with each point being worth 0.5 cents. Additionally, you can convert HBC points to RBC Rewards, with a conversion rate of 4 HBC points to 1 RBC point.
Insurance
For travelers under 65, the card provides 15 days of emergency medical travel insurance, while for those 65 and over, it provides three days of coverage. There is no cap on the amount of coverage. $5,000 per person in trip cancellation and interruption insurance, as well as $500,000 in common carrier accident insurance. Up to $500 in insurance for a flight delay, $2,500 in insurance for delayed baggage, and $1,000 in insurance for lost or stolen baggage. The card includes purchase protection, which covers you against damage or theft of an item for up to 90 days after your purchase, an extended warranty of up to an additional year, and dedicated mobile device insurance with two years of protection of up to $2,000 when making purchases.
Additional Benefits
Although the RBC Avion Visa Infinite Business comes with a Priority Pass lounge membership, no complimentary lounge visits are included. The cost for each visit to an airport lounge would be US$32. You have access to the Visa Infinite Business Concierge with this card, which may assist you with tasks like making restaurant reservations, choosing gifts, or securing event tickets as soon as they go on sale. Additionally, a number of Visa Infinite-specific benefits for meals and hotel stays are available to you. Finally, by connecting their card to their Petro-Points account, all RBC cardholders will receive 20% more Petro-Points and Avion points while saving 3/L on fuel at Petro-Canada.