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In the Ring: TD Aeroplan Visa Infinite Card vs. RBC Avion Visa Infinite Card

Aug. 24, 2021
14 mins
A young woman sits on her couch, drinking a coffee and scrolling on her phone in bright, trendy downtown apartment

We put two of the top travel rewards cards “in the ring” to fuel the rivalry, comparing the flexible travel rewards programs and generous welcome bonuses worth hundreds of dollars in savings. It may be a close match, but only one will be victorious.

The TD® Aeroplan® Visa Infinite* Card and the RBC Avion® Visa Infinite Card go toe-to-toe in a friendly competition to determine the card that provides the best value and benefits.

Click on the categories, like “Welcome bonus” or “Insurance coverage,” to jump down to a particular section.

Cards

TD® Aeroplan® Visa Infinite* Card

RBC Avion® Visa Infinite Card

Annual fee

$139

$120

Welcome bonus

  • Earn up to 25,000 Aeroplan points and a bonus Buddy Pass. Plus, TD will rebate the annual fee for the first year. This offer expires on December 5, 2021.
  • Earn 35,000 welcome points upon enrolment. This offer expires on November 15, 2021.

Earn rates

  • Earn 1.5 points for every $1 spent on gas, grocery, and direct through Air Canada® purchases.
  • Earn one point for every $1 spent on all other purchases.
  • Earn one RBC Rewards point for every $1 spent on the card.
  • Earn an extra 25% on eligible travel-related purchases.
  • Earn an extra 20% at Petro-Canada.

Reward redemption

Redeem Aeroplan points for travel, activities, merchandise, and gift cards.

Redeem RBC Rewards points for travel, RBC financial rewards, merchandise, and gift cards.

Perks

  • Visa Infinite Benefits
  • Air Canada travel benefits
  • NEXUS application fee rebate every 48 months
  • Visa Infinite Benefits
  • The Avion Collection
  • 12-month DashPass subscription

Insurance coverage

Get 11 types of travel insurance and shopping coverage.

Get 12 types of travel insurance and shopping coverage.

Recommended credit score

660+

660+

Interest rates

Purchases: 19.99%

Cash advances: 22.99%

Balance transfers: 22.99%

Purchases: 19.99%

Cash advances: 22.99%

Balance transfers: 22.99%

Income requirements

Personal: $60,000

Household: $100,000

Personal: $60,000

Household: $100,000

First-year value*

$1,070

$1,157

*The RATESDOTCA Best of Finance methodology assumes the cardholder spends an average of $2,000 a month on their card to determine the first-year value. The calculation includes all welcome bonuses and promotional offers at the time of publishing.

Annual fee

Winner: TD® Aeroplan® Visa Infinite* Card

Cards

TD® Aeroplan® Visa Infinite* Card

RBC Avion® Visa Infinite Card

 Annual fee

 $139

 $120

Annual fee for additional cardholders

 $75

 $50

While the RBC Avion® Visa Infinite Card costs $19 less per year, the TD® Aeroplan® Visa Infinite* Card currently offers an annual fee rebate for the primary cardholder and up to three additional cardholders, offering a savings of at least $139.

Since the RBC Avion® Visa Infinite Card does not offer an initial fee rebate, it would actually cost more than the TD® Aeroplan® Visa Infinite* Card until the eighth year of membership.

Annual fee by year

TD® Aeroplan® Visa Infinite* Card

RBC Avion® Visa Infinite Card

Year 1

$0 (first-year rebate)

$120

Year 2

+ $139 = $139

+ $120 = $240

Year 3

+ $139 = $278

+ $120 = $360

Year 4

+ $139 = $417

+ $120 = $480

Year 5

+ $139 = $556

+ $120 = $600

Year 6

+ $139 = $695

+ $120 = $720

Year 7

+ $139 = $834

+ $120 = $840

Year 8

+ $139 = $973

+ $120 = $960

Total spent =

$973

$960

Suppose you were to carry the card for several years, saving your points for a dream vacation. In that case, the RBC Avion® Visa Infinite Card may offer a better value. But you would need to have plenty of patience.

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Welcome bonus

Winner: TD® Aeroplan® Visa Infinite* Card

Cards

TD® Aeroplan® Visa Infinite* Card

RBC Avion® Visa Infinite Card

Welcome bonus

  • Earn up to 25,000 Aeroplan points and a bonus Buddy Pass. Earn 10,000 Aeroplan points when you make your first purchase. Earn another 15,000 points and a bonus Buddy Pass when you spend at least $1,000 in the first 90 days (about three months) of opening the account. Plus, TD will rebate the annual fee for the first year. This offer expires on December 5, 2021.
  • This offer is not available for residents of Quebec. For Quebec residents, please click here.
  • Earn 35,000 welcome points upon enrolment. That is a travel value of up to $750. This offer expires on November 15, 2021.

This round is a close one. Both cards offer significant savings in the first year alone.

The TD® Aeroplan® Visa Infinite* Card provides up to 25,000 Aeroplan points and a bonus Buddy Pass. Plus, TD will rebate the annual fee for the primary cardholder and up to three additional cardholders for the first year. That is a travel value of up to $500 and an annual fee rebate of at least $139. Not only that, but the bonus Buddy Pass also provides substantial value (approximate value $350). The voucher entitles a travel companion to accompany the primary cardholder for a $0 base fare when purchasing an economy class fare for travel booked within North America on a flight operated by Air Canada (plus applicable taxes and fees). The Buddy Pass is valid for 12 months.

The welcome bonus on the RBC Avion® Visa Infinite Card is less complicated yet valuable. Upon enrolment, 35,000 RBC Rewards points will appear on the cardholder’s first monthly credit card statement. That is a travel value of up to $750. Points do not expire as long as the account is open and in good standing.

If you use the bonus Buddy Pass, the TD® Aeroplan® Visa Infinite* Card will offer a better value. If you don’t foresee travel plans in the next 12 months, this card provides a travel value of up to $500 in points to use later. However, the RBC Avion® Visa Infinite Card offers roughly $250 more, a travel value of up to $750, in this case.

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Earn rates

Winner: TD® Aeroplan® Visa Infinite* Card

Cards

TD® Aeroplan® Visa Infinite* Card

RBC Avion® Visa Infinite Card

Earn rates

  • Earn 1.5 Aeroplan points for every $1 spent on gas, grocery, and direct through Air Canada® purchases.
  • Earn one point for every $1 spent on all other purchases.
  • Earn one RBC Rewards point for every $1 spent on purchases.
  • Earn an extra 25% on eligible travel-related purchases.
  • Earn an extra 20% at Petro-Canada.

The RBC Avion® Visa Infinite Card is straightforward; earn one RBC Rewards point for every $1 spent on the card. Earn an extra 25% or 1.25 points for every $1 spent on eligible travel-related purchases. Plus, get instant savings at Petro-Canada when you link your card. Save three cents per litre on fuel and earn 20% more Petro-Points and RBC Rewards points (1.2 points).

The TD® Aeroplan® Visa Infinite* Card offers a few more accelerated earning categories. Earn 1.5 Aeroplan points for every $1 spent on gas, grocery, and direct through Air Canada® purchases, up to $80,000 spent annually. Earn one Aeroplan point for every $1 spent on all other purchases. This card offers a boost for everyday essentials like gas and groceries that can add up.

While the RBC Avion® Visa Infinite Card offers excellent savings at Petro-Canada, the TD® Aeroplan® Visa Infinite* Card provides a better value and more flexibility.

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Reward redemption

Winner: TD® Aeroplan® Visa Infinite* Card

Cards

TD® Aeroplan® Visa Infinite* Card

RBC Avion® Visa Infinite Card

Reward redemption

Redeem Aeroplan points for travel, activities, merchandise, and gift cards.

Redeem RBC Rewards points for travel, RBC financial rewards, merchandise, and gift cards.

The TD® Aeroplan® Visa Infinite* Card is partnered with the Aeroplan program and, in turn, Air Canada. That means cardholders can get flight rewards faster and share points and benefits with family members with Aeroplan Family Sharing (up to eight members) on flights originating with Air Canada. If one member has Aeroplan Elite Status, everyone can benefit from their preferred pricing.

Related read: 5 Simple Ways to Earn More With Aeroplan

As a cardholder, you’ll have access to one of Canada’s most popular travel rewards programs — Aeroplan. Redeem rewards for travel, activities, merchandise, and gift cards at an exceptional rate. Points are worth a travel redemption value of up to 0.025, whereas other programs like BMO Rewards and Scotia Rewards are equal to 0.01. Keep in mind that cash-equivalent options like gift cards are usually worth less.

While RBC Rewards points are worth just under 0.022 toward travel, RBC Avion® Visa Infinite Card has an equally flexible rewards program. Redeem rewards for travel on any airline and any flight at any time, you are not restricted to one airline. You can also redeem for merchandise, gift cards, and financial rewards. RBC Financial Rewards allows members to contribute to select investment products and pay down loans through the bank. Points are worth roughly 0.008 when choosing this option (12,000 RBC Rewards points for a $100 value).

Having the ability to choose travel or financial redemption options makes the RBC Avion® Visa Infinite Card a great asset; however, Aeroplan points are worth more. Therefore, the TD® Aeroplan® Visa Infinite* Card sweeps this category strictly for its point value in terms of a travel card.

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Perks

Winner: TD® Aeroplan® Visa Infinite* Card

Cards

TD® Aeroplan® Visa Infinite* Card

RBC Avion® Visa Infinite Card

Perks

  • Visa Infinite Benefits
  • Air Canada travel benefits
  • NEXUS application fee rebate every 48 months
  • Visa Infinite Benefits
  • The Avion Collection
  • 12-month DashPass subscription

Both the TD® Aeroplan® Visa Infinite* Card and the RBC Avion® Visa Infinite Card grant cardholders access to exclusive Visa Infinite Benefits:

  • Visa Infinite Concierge: Save time booking reservations or scoring tickets with 24/7 Visa Infinite Concierge services.
  • Visa Infinite Wine Country Program: Get exclusive benefits and discounts at over 95 participating wineries, including complimentary tastings.
  • Visa Infinite Dining Series: Get access to exclusive gourmet events or have multi-course meals delivered straight to your home.
  • Visa Infinite Entertainment Access: Get exclusive access to tickets and curated events, including the Toronto International Film Festival.
  • Visa Infinite Luxury Hotel Collection: Get benefits like free Wi-Fi and breakfast at over 900 participating properties worldwide.

The TD® Aeroplan® Visa Infinite* Card also features Air Canada travel benefits. Primary cardholders and up to eight travel companions on the same reservation will get their first bag free (up to 23kg/50lbs) on flights originating with Air Canada.

Travellers can also save with NEXUS. Enroll in the NEXUS program and get an application fee rebate every 48 months (about four years), a $100 value. Additional cardholders can also take advantage of this perk.

The RBC Avion® Visa Infinite Card features The Avion Collection with travel, food, and wellness benefits. Get exclusive offers, including unique golf benefits like waived registration fees and gear. Avioners can log in to their account to view all the current deals.

Avioners will also save three cents per litre on every tank at Petro-Canada and earn 20% more points when they link their RBC card to their Petro-Points.

Plus, cardholders will pay $0 delivery fees on orders of $12 or more with a complimentary 12-month DashPass subscription when they add their eligible RBC card to their DoorDash account.

While discounted delivery can be enticing, it’s only for a limited time. That is why the TD® Aeroplan® Visa Infinite* Card wins this category. Get travel perks and additional savings year-round.

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Insurance coverage

Winner: TD® Aeroplan® Visa Infinite* Card

Cards

TD® Aeroplan® Visa Infinite* Card

RBC Avion® Visa Infinite Card

Insurance coverage*

  • Purchase security: 90 days
  • Extended warranty: up to 12 months
  • Common carrier travel accident insurance: up to $500,000
  • Emergency medical term: 21 days
  • Trip cancellation: $1,500
  • Trip interruption: $5,000
  • Baggage delay: $1,000
  • Lost or stolen baggage: $1,000
  • Hotel/motel burglary insurance: up to $2,500
  • Auto rental insurance: up to 48 days
  • Mobile device: $1,000
  • Purchase protection: 90 days
  • Extended warranty: 1 year
  • Travel accident: $500,000
  • Emergency medical term: 15 days
  • Trip cancellation: $1,500
  • Trip interruption: $5,000
  • Flight delay: $500
  • Baggage delay: $500
  • Lost or stolen baggage: $500
  • Hotel burglary: $2,500
  • Rental car theft and damage
  • Mobile device: $1,500

*Insurance coverage is subject to change. Refer to your insurance certificate or contact your credit card issuer for full terms and conditions.

With at least 11 types of travel insurance and shopping coverage each, the TD® Aeroplan® Visa Infinite* Card and the RBC Avion® Visa Infinite Card are fully stocked in this category.

The RBC Avion® Visa Infinite Card includes flight delay insurance, which the TD card does not feature. It also provides $500 more in mobile device insurance, one of the highest amounts of any card on the market — a beneficial feature considering the cost of smartphones these days.

However, the TD® Aeroplan® Visa Infinite* Card scoops in for the win. This card provides six more days of emergency medical insurance for those under age 65. For those 65 and over, this card offers four days of coverage, one more day than the RBC card. It also has double the baggage delay and lost or stolen baggage coverage.

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Recommended credit score

It’s a draw!

Both cards require a good credit score to be eligible. Therefore, the cards are comparable in this category, and the round is a draw.

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Interest rates

It’s a draw!

Cards

TD® Aeroplan® Visa Infinite* Card

RBC Avion® Visa Infinite Card

Interest rates

Purchases: 19.99%

Cash advances: 22.99%

Balance transfers: 22.99%

Purchases: 19.99%

Cash advances: 22.99%

Balance transfers: 22.99%

The TD® Aeroplan® Visa Infinite* Card and RBC Avion® Visa Infinite Card feature standard annual interest rates of 19.99% on purchases. While lower than, say, the Scotia Momentum® Visa Infinite* Card, with a 20.99% interest rate, one card is no better than the other here. This round is a draw.

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Income requirements

It’s a draw!

Cards

TD® Aeroplan® Visa Infinite* Card

RBC Avion® Visa Infinite Card

Income requirements

Personal: $60,000

Household: $100,000

Personal: $60,000

Household: $100,000

The TD® Aeroplan® Visa Infinite* Card and the RBC Avion® Visa Infinite Card are comparable here as well. Both cards require a minimum personal income of $60,000, equal to or less than many top-tier travel rewards cards. In terms of household income, $100,000 is also more reasonable than, say, the BMO CashBack World Elite* Mastercard*, requiring a minimum household income of $150,000 to be eligible. This round is a draw.

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First-year value

Winner: TD® Aeroplan® Visa Infinite* Card

*Based on the RATESDOTCA Best of Finance methodology.

Suppose a person spends an average of $2,000 a month on their credit card as they buy groceries, gas, and other miscellaneous purchases. In the first year, their credit card rewards would look something like this:

Spending categories

TD® Aeroplan® Visa Infinite* Card

RBC Avion® Visa Infinite Card

Groceries

$500 x 1.5

$500 x 1

Gas

$250 x 1.5

$250 x 1

Drugstore

$150 x 1

$150 x 1

Travel

$200 x 1

$200 x 1

Restaurants

$250 x 1

$250 x 1

Entertainment

$150 x 1

$150 x 1

Recurring bills

$300 x 1

$300 x 1

Retail store

$100 x 1

$100 x 1

Local transit

$50 x 1

$50 x 1

Other

$50 x 1

$50 x 1

Rewards earned monthly:

$47.50

$43.92

First-year value (rewards + welcome bonus - annual fee):

$1,070

$1,157

Annual rewards (rewards - annual fee):

$431

$407

According to our Best of Finance methodology, the average Canadian would earn $1,070 in the first year using the TD® Aeroplan® Visa Infinite* Card. This calculation includes the exceptional welcome bonus and annual fee rebate. In the following years, the cardholder would earn roughly $431 in Aeroplan points annually.

Although still a great card, the RBC Avion® Visa Infinite Card would offer fewer rewards year-over-year. In the first year, cardholders would earn around $1,157, slightly more than its competitor. In the following years, cardholders would earn approximately $407 in RBC Rewards points. That is a monetary value of $24 less than the TD card, despite having a lower annual fee.

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Which credit card should you choose?

TD® Aeroplan® Visa Infinite* Card and the RBC Avion® Visa Infinite Card are two valuable cards, offering exclusive perks and everyday savings. Both cards require a good credit score and a minimum personal income of $60,000 for approval.

However, the TD® Aeroplan® Visa Infinite* Card currently offers a great welcome bonus and a $139 annual fee rebate that elevates the card into the lead in nearly all categories. Earn up to $500 in points and a bonus Buddy Pass and redeem rewards through the popular travel program, Aeroplan. Plus, access a NEXUS application fee rebate every 48 months, get 11 types of travel insurance and shopping coverage, and save on baggage fees at the airport.

The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$850
+ Annual rewards
$570
- Annual fee (First Year Rebat)
0
Total first year value
$1420
TD® Aeroplan® Visa Infinite* Card

card image
Welcome bonus
$850
Aeroplan Points
Annual rewards
$570
Aeroplan Points
Annual fees:
$139 (First Year Rebate)
Interest rates:
19.99% on purchases • 22.99% on cash advances
Best Visa Aeroplan Credit Card in Canada
VIP benefits when travelling on Air Canada flights, plus great travel insurance
Details at a glance Collapse details
Welcome bonus
$850
Annual rewards
$570
The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$850
+ Annual rewards
$570
- Annual fee (First Year Rebat)
0
Total first year value
$1420
Annual fees:
$139 (First Year Rebate)
Interest rates:
19.99% on purchases
22.99% on cash advances
Best Visa Aeroplan Credit Card in Canada
VIP benefits when travelling on Air Canada flights, plus great travel insurance
Details at a glance Collapse details

But don’t count the RBC Avion® Visa Infinite Card out. Access Visa Infinite Benefits and The Avion Collection for exclusive offers and curated events. Get 12 types of travel insurance and shopping coverage, including $1,500 in mobile device insurance. Receive instant savings at Petro-Canada and pay $0 delivery fees for a year with DoorDash. Lastly, redeem RBC Rewards points for travel and financial rewards.

The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$750
+ Annual rewards
$527
- Annual fee
$120
Total first year value
$1157
RBC Avion® Visa Infinite

card image
Welcome bonus
$750
RBC Rewards points
Annual rewards
$527
RBC Rewards points
Annual fees:
$120
Interest rates:
19.99% on purchases • 22.99% on cash advances
Travellers earn points redeemable on flights through various airline rewards programs
Includes comprehensive travel insurance and generous mobile device insurance
Details at a glance Collapse details
Welcome bonus
$750
Annual rewards
$527
The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$750
+ Annual rewards
$527
- Annual fee
$120
Total first year value
$1157
Annual fees:
$120
Interest rates:
19.99% on purchases
22.99% on cash advances
Travellers earn points redeemable on flights through various airline rewards programs
Includes comprehensive travel insurance and generous mobile device insurance
Details at a glance Collapse details

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In the Ring past winners

Find out who won the last battle:

Rates, product information and reward estimates are subject to change at any time and do not constitute financial advice. This post was not sponsored. RATESDOTCA may receive a referral fee from our partners or affiliate links featured on the site; however, our editorial choices are objective and free from bias. The opinions expressed in this article are purely those of RATESDOTCA; thus, the credit card issuers and partners are not responsible for any editorials or reviews that may appear. Please visit the associated brand's website for complete and current terms and conditions on any product or service mentioned. The information in this article is accurate as of the date of this posting, August 24, 2021. Read our full disclaimer.

This article was originally published on July 29, 2021, and has since been updated.

Hayley Vesh

Hayley Vesh is a creative, resourceful, and knowledgeable content producer who is passionate about financial literacy, storytelling, and generating ideas. She writes about credit cards, savings, debt management, and personal finance. In her spare time, Hayley can be found wandering in the woods, hunting for second-hand treasures, or curled up with a steeped tea and a good podcast.

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