"Is the TD Aeroplan Visa Infinite better than CIBC?"

"For most everyday spenders, the cards are nearly equivalent — same $139 annual fee, same Visa Infinite benefits, same free checked bag benefit, and comparable earn rates on groceries and gas. The main practical differentiator is your existing bank relationship. CIBC edges ahead for frequent Air Canada bookers because it earns 1.5x on direct Air Canada purchases, which TD does not specifically offer. TD edges ahead with the NEXUS application fee rebate for eligible US border crossers."

"Can I hold both TD and CIBC Aeroplan Visa Infinite cards?"

"Yes, and some Aeroplan collectors do. Points from both cards flow into the same Aeroplan account. In practice, holding both makes sense only if you want to maximise earn in specific categories where each card excels. For most Canadians, one card is sufficient and the administrative overhead of managing two $139-fee cards outweighs the marginal earn advantage."

"Do both cards include a free first checked bag on Air Canada?"

"Yes. Both the TD Aeroplan Visa Infinite and CIBC Aeroplan Visa Infinite include a complimentary first checked bag for the primary cardholder and up to eight companions on the same Air Canada reservation. The bag must be booked using the Aeroplan card. The benefit applies only on Air Canada-operated flights — not on codeshare flights operated by a partner carrier."

"What is the income requirement for TD and CIBC Aeroplan Visa Infinite?"

"Both cards require a minimum personal income of $60,000 or household income of $100,000. Having an existing banking relationship with the issuer (TD banking for TD card; CIBC banking for CIBC card) can support your application, though it is not mandatory."

"Which card has a better welcome bonus?"

"Welcome bonuses change frequently and are often run as limited-time promotions. Both TD and CIBC periodically offer enhanced welcome bonuses on their Aeroplan Visa Infinite cards. Always check the current offer on the issuer's website before applying — the bonus in effect at your application date determines what you receive."

TD Aeroplan Visa Infinite vs CIBC Aeroplan Visa Infinite: Which Should You Get?

Two banks, one Aeroplan card. The TD Aeroplan Visa Infinite and CIBC Aeroplan Visa Infinite are so similar that choosing between them can feel arbitrary — and for many Canadians, it practically is. Both charge $139 per year, both earn Aeroplan points on everyday spending, both include a free first checked bag on Air Canada, and both carry the Visa Infinite insurance package. But the differences are real, and for some cardholders they matter.

Quick Comparison

Feature	TD Aeroplan Visa Infinite	CIBC Aeroplan Visa Infinite
Annual fee	$139	$139
Supplementary card fee	$75	$50
Network	Visa Infinite	Visa Infinite
Income requirement	$60,000 personal / $100,000 household	$60,000 personal / $100,000 household
Earn on Air Canada purchases	1x (standard)	1.5x
Earn on eligible grocery	1.5x	1.5x
Earn on eligible gas	1.5x	1.5x
Earn on EV charging	—	1.5x
Earn everywhere else	1x	1x
Free first checked bag	Yes (primary + 8 companions)	Yes (primary + 8 companions)
Priority check-in/boarding (Air Canada)	—	Yes
NEXUS application fee rebate	Yes (up to $100 every 4 years)	—
Annual fee waiver offers	Periodic	Periodic

Verify current earn rates, fees, and benefits at td.com and cibc.com before applying — card terms change.

Earn Rates in Detail

Where TD Wins: Gas and Groceries

The TD Aeroplan Visa Infinite earns 1.5x Aeroplan points at eligible gas stations and grocery stores in Canada. The definition of “eligible” varies — verify the merchant category codes that qualify at td.com. The Shell partnership historically applies, earning additional benefits at Shell stations.

For a household spending $800/month on groceries and $200/month on gas (a common Canadian pattern), the 1.5x earn generates meaningful incremental points over a 1x base rate card.

Where CIBC Wins: Air Canada Purchases

The CIBC Aeroplan Visa Infinite earns 1.5x on direct Air Canada purchases, which TD does not match on a standard basis. For someone booking $3,000/year in Air Canada flights, this represents 1,500 additional Aeroplan points annually — small, but real.

CIBC also earns 1.5x on EV charging stations, a minor advantage for electric vehicle owners.

Groceries and Gas: Essentially Equal

Both cards earn 1.5x at eligible grocery stores and gas stations. The eligible merchant list may differ slightly between TD and CIBC — check with each issuer to confirm which specific chains qualify in your spending pattern.

Air Canada Benefits: CIBC Edges Ahead

Both cards include:

First checked bag free for the primary cardholder and up to 8 companions on the same Air Canada reservation
Aeroplan preferred pricing on eligible reward flights

CIBC additionally offers:

Air Canada priority check-in and priority boarding on eligible Air Canada flights (when booked using the card or Aeroplan points)

For frequent Air Canada flyers, priority check-in and boarding saves real time. It is not a transformative benefit, but for those taking 10+ Air Canada flights per year, it is a genuine quality-of-life improvement.

Insurance Coverage

Both cards carry a comparable Visa Infinite travel insurance package. Key coverages to verify with each issuer:

Coverage Type	TD Aeroplan Visa Infinite	CIBC Aeroplan Visa Infinite
Emergency medical	Up to $2M; up to 21 days	Up to $2M; verify days
Trip cancellation	Yes	Yes
Trip interruption	Yes	Yes
Flight delay	Yes	Yes
Baggage delay	Yes	Yes
Car rental collision/damage waiver	Yes (Visa Infinite)	Yes (Visa Infinite)
Mobile device protection	Verify with TD	Verify with CIBC

Neither card offers comprehensive out-of-province emergency medical insurance beyond the first 21–31 days of a trip — verify the exact day limit with the issuer, particularly if you travel for extended periods.

The Supplementary Card Fee Difference

This is one of the clearest practical differentiators:

TD: $75 per supplementary card
CIBC: $50 per supplementary card

For a household adding one additional cardholder, CIBC saves $25/year. Over five years, that’s $125 — not decisive, but worth noting if you’re on the fence.

Who Should Choose TD Aeroplan Visa Infinite?

You already bank with TD and prefer to keep accounts consolidated
You regularly cross the US border and will use the NEXUS application fee rebate (up to $100 every 4 years)
You earn most of your points on groceries and gas (both cards are equivalent here)
TD has a better current welcome bonus at the time you apply

Who Should Choose CIBC Aeroplan Visa Infinite?

You already bank with CIBC and prefer to consolidate
You book Air Canada flights directly and want 1.5x on those purchases
You drive an EV and want 1.5x on EV charging
You value priority check-in and boarding as a semi-regular Air Canada flyer
CIBC has a better current welcome bonus at the time you apply
You plan to add a supplementary cardholder (saves $25/year vs. TD)

The Real Tiebreaker: Your Banking Relationship

For the majority of Canadians, the best Aeroplan Visa Infinite card is the one from the bank where you already hold your chequing account and savings. Consolidating banking and credit cards with one institution simplifies your financial life, and the practical earn-rate differences between these two cards are marginal for most spending profiles.

If you bank with neither TD nor CIBC, consider the current welcome bonus — when one bank is running an enhanced offer, that can be worth thousands of Aeroplan points in the first year, easily outweighing long-term earn rate differences.

Alternatives to Consider

If you fly Air Canada regularly but want more flexibility than an Aeroplan-specific card:

American Express Aeroplan Reserve — Premium Aeroplan card with Maple Leaf Lounge access and higher earn rates on Air Canada; $599/yr
Scotiabank Gold American Express — Earns Scene+ points (transferable to Aeroplan) with a stronger grocery earn rate; $120/yr
TD Aeroplan Visa Infinite Privilege — Step up from the Infinite with Priority Pass lounge access; $599/yr

Card features, earn rates, fees, and benefits are subject to change. Verify all details with TD and CIBC before applying. See our Advertiser Disclosure.