"Is TD First Class Travel or TD Aeroplan Visa Infinite better?"

"For most Canadians, the TD Aeroplan Visa Infinite ($139/year) is the better TD travel card. It earns Aeroplan points — redeemable for flights with Air Canada and 40+ Star Alliance partners — plus includes a free first checked bag on Air Canada and the NEXUS fee credit ($100 every 4 years). The TD First Class Travel Visa Infinite ($150/year) earns TD Rewards points, which are only redeemable at full value through the Expedia for TD portal (~0.5¢/pt for flights). Aeroplan points are far more flexible and valuable than TD Rewards for travel redemptions."

"What is the difference between TD Rewards and Aeroplan points?"

"TD Rewards points are a proprietary points currency redeemable through Expedia for TD at approximately 0.5¢ per point for travel. They cannot be transferred to airline loyalty programmes. Aeroplan is Air Canada's loyalty programme — points transfer to 40+ Star Alliance partner airlines and can be redeemed for economy and business class flights at 1–3¢+ per point for aspirational redemptions. Aeroplan is significantly more flexible and potentially more valuable than TD Rewards, especially for international or business class bookings."

"Does the TD First Class Travel Visa Infinite have travel insurance?"

"Yes — the TD First Class Travel Visa Infinite includes emergency out-of-province medical insurance (up to $2M for 15 days), trip cancellation and interruption insurance, flight delay insurance, lost/delayed baggage, and rental car damage coverage. The TD Aeroplan Visa Infinite includes the same comprehensive travel insurance package at the same tier. Both cards' travel insurance is provided by the same TD Insurance underwriting — coverage limits are similar."

"Which TD card earns more points on everyday spending?"

"The TD Aeroplan Visa Infinite earns 1.5x Aeroplan on groceries, gas, and dining, and 1x on everything else. The TD First Class Travel Visa Infinite earns 3 TD Rewards on all purchases through the Expedia for TD portal and a flat rate on other spending. For everyday grocery and dining spending, TD Aeroplan's 1.5x is the more rewarding rate — and Aeroplan points are worth more than TD Rewards at time of redemption for flights."

"Should I switch from TD First Class Travel to TD Aeroplan?"

"In most cases, yes — switching from TD First Class Travel to TD Aeroplan Visa Infinite is worth doing if you: (1) fly Air Canada and want the free checked bag; (2) want more valuable and flexible travel redemptions (Aeroplan vs TD Rewards); (3) dine out regularly (Aeroplan earns 1.5x on dining, which is strong). The TD Aeroplan Visa Infinite also has a lower annual fee ($139 vs $150). The main reason to keep TD First Class Travel is if you heavily use the Expedia for TD portal for hotel and car rental bookings and prefer the TD Rewards portal experience."

TD First Class Travel vs TD Aeroplan Visa Infinite (2026)

Both the TD First Class Travel Visa Infinite and TD Aeroplan Visa Infinite are TD’s flagship travel credit cards — but they earn fundamentally different currencies and suit very different travellers.

Quick verdict: TD Aeroplan Visa Infinite wins for most Canadians. Aeroplan points are more flexible, more valuable, and include Air Canada perks (free checked bag, priority check-in) that TD Rewards cannot match.

Side-by-Side Comparison

Feature	TD Aeroplan Visa Infinite	TD First Class Travel Visa Infinite
Annual fee	$139	$150
Network	Visa Infinite	Visa Infinite
Income required	$60K personal / $100K household	$60K personal / $100K household
Earn — Grocery, gas, dining	1.5x Aeroplan	3 TD Rewards/$1 (Expedia for TD) / base rate elsewhere
Earn — Everything else	1x Aeroplan	Base TD Rewards rate
Points programme	Aeroplan	TD Rewards
Points value	1–3¢/pt (flights)	~0.5¢/pt (Expedia portal)
Air Canada free checked bag	✓ Yes (+ 8 on booking)	No
Air Canada priority check-in	✓ Yes	No
NEXUS fee rebate	✓ $100 every 4 years	No
Travel insurance	✓ Comprehensive	✓ Comprehensive
Emergency medical	Up to $2M	Up to $2M
Trip cancellation	✓ Yes	✓ Yes
Lounge access	None	None
Hotel perks	None	Expedia for TD hotel discounts

Points Value: The Critical Difference

This is where the comparison is clearest:

Programme	Simple Redemption	Best-Case Redemption
Aeroplan	1¢/pt (statement credit)	2–3¢/pt (business class awards)
TD Rewards	0.5¢/pt (Expedia for TD travel)	~0.5¢/pt (limited upside)

On 50,000 points earned:

Aeroplan: $500–$1,500 in travel value (depending on redemption)
TD Rewards: $250 in travel value (Expedia for TD)

Aeroplan is consistently worth twice as much as TD Rewards in practice — and potentially six times as much on aspirational business class redemptions.

Air Canada Perks

The TD Aeroplan Visa Infinite’s Air Canada perks are significant advantages TD First Class Travel cannot match:

Perk	TD Aeroplan	TD First Class Travel
Free first checked bag	✓ (+ 8 companions)	No
Priority check-in	✓	No
NEXUS rebate	✓ $100 every 4 years	No

A family of four with checked bags on Air Canada saves $120–$240 per return trip (4 × $30–$60 per bag) with the TD Aeroplan card.

When TD First Class Travel Makes Sense

You primarily book travel through Expedia for TD and want the portal’s hotel selection and discounts
You earn a large amount of TD Rewards through TD banking products (chequing account bonuses, TD Bank relationship rewards)
You don’t fly Air Canada and have no interest in Aeroplan’s airline-specific perks
You need the slightly longer TD Rewards points validity vs. Aeroplan expiry rules

Verdict

TD Aeroplan Visa Infinite is the better TD travel card for the vast majority of Canadians:

Lower annual fee ($139 vs $150)
Aeroplan points worth significantly more than TD Rewards
Free checked bag and Air Canada perks unavailable on TD First Class Travel
NEXUS rebate adds recurring value

TD First Class Travel serves Canadians already embedded in TD Rewards who use Expedia for TD heavily and prefer the portal-based booking experience.

Card details current as of June 2026. Verify with the issuer before applying. See our Advertiser Disclosure.