RBC WestJet World Elite Mastercard vs. TD Aeroplan Visa Infinite (2026)

The RBC WestJet World Elite Mastercard and the TD Aeroplan Visa Infinite are both premium Canadian airline credit cards — but they represent fundamentally different philosophies. WestJet is simple and companion-voucher focused. Aeroplan is flexible and points-accumulation focused. Here is how they compare.

At a Glance

The Companion Voucher — WestJet’s Defining Advantage

The WestJet World Elite Mastercard’s annual companion voucher is issued once per year on your card anniversary. It entitles one companion — travelling on the same booking as you — to a round-trip companion fare of $119, including taxes and fees, on eligible WestJet-operated flights.

What this means in real money:

If WestJet cash fares from Toronto to Calgary are $350 per person round trip, your companion pays $119 instead of $350 — a savings of $231 on that trip alone. On sun destinations or peak-season routes where fares can be $500–$800 per person:

The companion voucher alone typically covers the $119 annual fee in savings on a single trip — and often generates $200–$700+ in net benefit. For couples and families who take at least one WestJet trip annually, this is the card’s overwhelming argument.

Conditions: Both travellers must be on the same booking. The booking must be paid for with the WestJet World Elite Mastercard. The voucher applies to WestJet-operated flights (not partner codeshares). One voucher per year.

The Free Checked Bag — TD Aeroplan’s Core Benefit

The TD Aeroplan Visa Infinite provides the first checked bag free on Air Canada flights for the primary cardholder and up to eight travel companions booked on the same reservation.

What this means in real money:

Air Canada charges approximately $30–$35 per checked bag each way.

A family of four flying once per year saves approximately $280 on checked bags alone — double the $139 annual fee. For couples who take two trips per year, the savings are $280+.

Unlike the WestJet companion voucher, the TD bag benefit scales with group size and trip frequency. More people or more trips = more savings.

Earn Rates: Different Structures

WestJet World Elite Mastercard earn:

• 3% WestJet Dollars on WestJet and WestJet Vacations purchases
• 2% WestJet Dollars on all other purchases

WestJet Dollars are worth exactly $1 each — no conversion needed. Every dollar spent earns a fixed, predictable cash-equivalent amount toward WestJet purchases.

At $2,000/month spend (mostly non-WestJet): 2% × $2,000 × 12 = $480 in WestJet Dollars/year.

TD Aeroplan Visa Infinite earn:

• 1.5x Aeroplan on groceries and gas
• 1x on everything else

At $2,000/month (1,000 grocery + $200 gas + $800 other): (1,000 × 1.5) + (200 × 1.5) + (800 × 1) = 1,500 + 300 + 800 = 2,600 pts/month × 12 = 31,200 Aeroplan points/year.

At 1.5¢/pt: $468 in travel value/year. At 2.0¢/pt (economy transatlantic redemption): $624 in travel value/year.

WestJet earns more at face value (2% vs 1.5% average). But TD’s Aeroplan points can be redeemed at higher than 1.5¢/pt, potentially closing or reversing the gap. WestJet Dollars are worth exactly $1 — there is no upside, but also no downside.

Flexibility: Aeroplan Wins

WestJet Dollars can only be used on WestJet purchases — flights, WestJet Vacations packages, and seat upgrades. They cannot be transferred to other airlines or hotels, cannot be used outside the WestJet ecosystem.

Aeroplan points can be:

• Used on Air Canada flights (and codeshares)
• Transferred to any Star Alliance partner (Lufthansa, Swiss, Singapore Airlines, United, Turkish Airlines, etc.)
• Used on Oneworld and SkyTeam partners through Aeroplan partnerships
• Used on hotel partners (Fairmont, IHG, others)
• Used for merchandise and gift cards (low value — avoid)

For Canadians who want optionality — using points on multiple airlines, booking business class on Star Alliance carriers, or eventually redeeming on a partner airline — Aeroplan’s flexibility is a meaningful advantage.

For Canadians who fly WestJet regularly and want simplicity — WestJet Dollars’ fixed $1 value and unrestricted redemption (any available WestJet seat) is more accessible.

Income Requirement

The WestJet World Elite Mastercard requires $80,000 personal income (Mastercard World Elite tier standard).

The TD Aeroplan Visa Infinite requires $60,000 personal income (Visa Infinite standard).

If you earn between $60,000 and $79,999, the TD card is accessible and the WestJet card is not.

Which Card for Which Traveller?

Choose WestJet World Elite if:

You fly WestJet at least once per year with a companion. The companion voucher generates $200–$700+ in savings on a single trip — easily the most valuable annual benefit on any $119-fee card for its target audience.

You want simple, fixed-value rewards. WestJet Dollars are $1 each, always. No calculating redemption rates, no award chart, no blackout seats. If a WestJet seat is for sale at cash price, you can use WestJet Dollars toward it.

Your primary travel is within Canada or to sun destinations. WestJet’s network is strongest for domestic Canadian routes, Florida, Mexico, and Caribbean destinations. The companion voucher is most valuable on these routes.

You prefer WestJet’s experience over Air Canada. If brand loyalty matters to you and WestJet is your airline of choice, this card is the best vehicle for earning and redeeming within that ecosystem.

Choose TD Aeroplan Visa Infinite if:

You fly Air Canada with family or travel companions who check bags. The free first bag for the whole booking is the card’s strongest benefit. A family of four can recover the $139 fee in one flight.

You want flexible redemptions across multiple airlines. Aeroplan’s Star Alliance access, partner transfer options, and breadth of booking choices make it more powerful for international or complex itineraries.

You earn between $60,000 and $79,999. The TD card’s Visa Infinite income threshold is lower than the WestJet card’s World Elite threshold.

You stack spending at Esso/Mobil. TD’s Esso partnership lets you earn Aeroplan from both the credit card and the gas station simultaneously — a meaningful bonus for regular gas station spenders.

You want to eventually book premium cabin on Star Alliance. Aeroplan’s Star Alliance access means your points can be used for business class on Lufthansa, Swiss, or Singapore Airlines — experiences that WestJet Dollars cannot access.

Bottom Line

If you fly WestJet with a companion and care about simplicity, the WestJet World Elite Mastercard delivers outstanding value from its companion voucher.

If you fly Air Canada, travel with a family, or want Aeroplan’s access to Star Alliance and international partners, the TD Aeroplan Visa Infinite is the stronger all-round choice.

RBC WestJet World Elite Mastercard Review → | TD Aeroplan Visa Infinite Review →
WestJet Rewards Guide → | Aeroplan Guide →

Card terms and earn rates are subject to change. Verify at rbc.com and td.com. See our Advertiser Disclosure.