TD offers two distinct families of travel credit cards — TD Rewards cards (earn TD Rewards points, redeem through Expedia for TD) and TD Aeroplan co-branded cards (earn Aeroplan directly). The choice between them is one of the most consequential decisions for TD banking customers.
At a Glance
| Feature | TD First Class Travel Visa Infinite | TD Aeroplan Visa Infinite |
|---|---|---|
| Points programme | TD Rewards | Aeroplan |
| Annual fee | ~$139 (verify at td.com) | ~$139 (verify at td.com) |
| Network | Visa Infinite | Visa Infinite |
| Top grocery earn | 6x TD Rewards | 1.5x Aeroplan |
| Top travel earn | 8x on Expedia for TD | 3x on Air Canada |
| Point value | 0.5¢ (portal) | 1.5–3¢+ (Air Canada flights) |
| Airline flexibility | Any airline via portal | Best value on Air Canada / Star Alliance |
| Transfer partners | None | Aeroplan IS an airline programme |
| Lounge access | No (verify current benefits) | No (verify current benefits) |
All details subject to change. Verify at td.com.
Point Value: The Critical Difference
This is where the two cards diverge significantly.
TD First Class Travel (TD Rewards):
- 0.5¢ per point maximum — fixed, always
- 6x grocery earn = 3¢ back per dollar at grocery
- 100,000 points = $500 at Expedia for TD
TD Aeroplan Visa Infinite:
- Aeroplan points worth ~1.5¢ on short-haul economy; 2–5¢ on business class
- 1.5x grocery earn = ~2.25–3¢ back per dollar (at 1.5¢/pt Aeroplan value)
- 100,000 Aeroplan points = $1,500–$3,000+ in flight value depending on redemption
For most travel scenarios — particularly business class or transatlantic — Aeroplan points are worth 3–5x more per point than TD Rewards. The TD Aeroplan card’s lower grocery earn rate (1.5x vs 6x) is offset by the dramatically higher point value.
Earn Rate Comparison
On Everyday Purchases
| Category | TD First Class Travel | TD Aeroplan Visa Infinite |
|---|---|---|
| Groceries | 6x TD Rewards = 3¢/$ portal | 1.5x Aeroplan ≈ 2.25¢/$ (avg) |
| Dining | 6x TD Rewards = 3¢/$ portal | 1x Aeroplan ≈ 1.5¢/$ |
| Recurring bills | 4x TD Rewards = 2¢/$ | 1x Aeroplan ≈ 1.5¢/$ |
| Travel (Air Canada) | 2x TD Rewards = 1¢/$ | 3x Aeroplan ≈ 4.5¢/$ |
| Everything else | 2x TD Rewards = 1¢/$ | 1x Aeroplan ≈ 1.5¢/$ |
On grocery and dining: TD First Class Travel wins at portal rate (3¢/$). But if Aeroplan points are redeemed on Air Canada business class at 3–5¢/pt, the Aeroplan card’s effective grocery return reaches 4.5–7.5¢/dollar — significantly higher.
Who Should Get Each Card
Choose the TD First Class Travel Visa Infinite if:
- You want maximum flexibility — any airline, any hotel, no preferred carrier
- You rarely fly Air Canada specifically and prefer booking on WestJet, Flair, or international carriers
- You want a simpler programme with no award chart to learn
- You have high grocery and dining spend and want the 6x earn rate
- You primarily book international hotels rather than flights
Choose the TD Aeroplan Visa Infinite if:
- You fly Air Canada regularly (even once or twice a year for business)
- You want to build toward business class or premium economy redemptions
- You already collect Aeroplan from other cards (Amex Cobalt) and want to consolidate
- You value Star Alliance partner access (Lufthansa, United, Singapore Airlines)
- You want the ability to book last-minute award seats on Air Canada (Aeroplan has better access than third-party portals)
The Verdict
For most frequent travellers: The TD Aeroplan Visa Infinite. Even with lower everyday earn rates, the superior point value (1.5–5¢ vs 0.5¢) means Aeroplan holders extract significantly more travel from the same spending over time — especially once business class redemptions are in the picture.
For flexible, simple travel rewards: The TD First Class Travel Visa Infinite. If you want to book any airline without thinking about award availability, the portal approach works well and the 6x grocery earn is excellent.
Related Articles
- How TD Rewards Works
- TD Rewards Points Value
- TD Aeroplan Visa Infinite Review
- TD First Class Travel Visa Infinite Review
- Aeroplan Points Value Guide
Card details, annual fees, and earn rates are subject to change. Verify at td.com. See our Advertiser Disclosure.