TD vs CIBC Aeroplan Visa Infinite
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If you collect Aeroplan points, the TD and CIBC Aeroplan Visa Infinite cards are your two main options at the same price point. Both cost $139/year and earn Aeroplan points, but they differ in earn rates, perks, and bonus features.
Side-by-Side Comparison
| Card | Annual Fee | Network | Groceries | Gas | Dining | Travel | Welcome Bonus | |
|---|---|---|---|---|---|---|---|---|
| CIBC Aeroplan Visa Infinite Card | $139/year | visa | 1x | 1x | 1x | 1.5x | Earn up to 20,000 Aeroplan points | Apply |
| TD Aeroplan Visa Infinite Card | $139/year | visa | 1.5x | 1.5x | 1x | 1.5x | Earn up to 20,000 Aeroplan points | Apply |
Earn Rate Breakdown
The TD card earns 1.5x on Air Canada, gas, grocery, and drugstore purchases, plus 1x on everything else. The CIBC card earns 1.5x on travel and transit, plus 1x on everything else.
For most Canadians who spend more on groceries and gas than travel, the TD card will earn more Aeroplan points in a typical year.
Unique Perks
The CIBC card's standout perk is the annual Buddy Pass: a companion ticket for domestic or short-haul flights when you spend $1,000 in the first 12 months. This can be worth $200-$600 depending on the route.
The TD card offers a first checked bag free on Air Canada flights, which saves $30-$35 per flight.
Who Should Get Which
Get the TD Aeroplan Visa Infinite if: You want better everyday earn rates on groceries and gas, and you fly Air Canada regularly enough to benefit from free checked bags.
Get the CIBC Aeroplan Visa Infinite if: You value the Buddy Pass companion ticket and primarily want to earn Aeroplan points through travel spending.
Our Verdict
The TD card wins for everyday spending thanks to its 1.5x earn rate on gas, groceries, and drugstores, while the CIBC card is better for its annual Buddy Pass companion flight benefit.
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CIBC Aeroplan Visa Infinite Card
VisaCIBC · $139/year
Earn up to 20,000 Aeroplan points
Pros
- +Valuable Aeroplan points for Air Canada flights
- +Companion buddy pass once per year
- +Insurance package included
Cons
- –$139 annual fee
- –Earn rate is modest outside of travel
TD Aeroplan Visa Infinite Card
VisaTD · $139/year
Earn up to 20,000 Aeroplan points
Pros
- +Strong earn rate on everyday categories
- +Aeroplan points for flexible travel
- +First checked bag free on Air Canada
Cons
- –$139 annual fee
- –Best perks require Air Canada loyalty
Offers and terms can change. Always confirm details on the issuer's website before applying.