TD First Class Travel Vs. TD Aeroplan: Which Is Better?

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Updated: Jun 25, 2024, 7:41am

Aaron Broverman
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One bank, two rewards programs. If you’re looking for a travel rewards card with TD Bank, you’ll have the choice between one of the many TD Aeroplan cards they offer and a TD First Class Travel Visa Infinite. But how do you know which one will benefit you the most? We break down the differences between these two types of travel cards.

What Is TD First Class Travel?

TD First Class Travel isn’t really the name of a rewards program with TD. Rather, it refers to a specific credit card TD issues: the TD First Class Travel Visa Infinite. This card and several others from TD earn TD Reward points.

TD Reward points are exclusive to TD and are specifically linked to TD credit cards, meaning you won’t find them anywhere else. TD Reward points use a fixed-value points system, ensuring they can be redeemed consistently across various redemption options. This feature makes them good for covering incidental travel expenses like boutique hotel bookings, vacation rentals and other travel-related expenses.

How Many TD First Class Travel cards does TD offer?

TD only offers one TD First Class Travel card: the TD First Class Travel Visa Infinite Card.

It does offer a few other credit cards that earn TD Rewards points, including:

Earning Rewards

TD First Class Travel Rewards


Credit Card Annual Fee Earn Rate
TD First Class Travel Visa Infinite $139
  • 8 points per dollar when you book travel through Expedia For TD
  • 6 points per dollar on groceries and restaurants
  • 4 points per dollar on recurring bill payments
  • 2 points per dollar on everything else
  • Annual birthday bonus of 10,000 points or 10% of the points you earned in the previous 12 months

Pros of TD First Class Travel

  • Earn up to 8 points per dollar on select spending
  • Points can be redeemed through multiple travel booking sites, including Expedia for TD
  • Includes travel insurance

Cons of TD First Class Travel

  • TD Rewards points are exclusive to TD Bank
  • Annual fee
  • Must earn either $60,000 in annual personal income or $100,000 in annual household income to be eligible for this card

Redemption Options for TD First Class Travel

TD Rewards points can be redeemed for Amazon.ca purchases, Starbucks Rewards Stars and gift cards. You can also redeem TD Rewards points for travel bookings, like flights, hotels and car rentals, on any site through the TD Book Any Way option on any travel booking website or on Expedia For TD. You can also use your TD Reward points for a statement credit or for continuing education credits.

What Is TD Aeroplan?

TD Aeroplan refers to credit cards issued by TD Bank that earn  Aeroplan points. Aeroplan was originally designed as a loyalty program for Air Canada customers but changed hands several times over the years. 2018 Air Canada repurchased the program and reintroduced it in 2020.

Following its relaunch, Aeroplan focused on flexible rewards and expanded, adding a wide range of airline and retail partners to its network and removing fuel surcharges. Aeroplan credit cards are issued by TD Bank but are also issued by CIBC and American Express.

How Many TD Aeroplan cards does TD offer?

TD currently offers four Aeroplan credit cards:

Earning Rewards

TD Aeroplan Rewards


Credit Card Annual Fee Earn Rate
TD Aeroplan Visa Infinite $139
  • 1.5 points per dollar on eligible gas, groceries and Air Canada purchases
  • 1 point per dollar on everything else
  • Double the points earned with partner brands and through the Aeroplan eStore
  • Earn 50% more Aeroplan points when you shop at Starbucks (and link your card to your Starbucks Rewards account)
TD Aeroplan Visa Platinum $89
  • 1 point per dollar on gas, groceries and Air Canada purchases
  • 1 point per $1.50 on everything else
  • Double the points earned with partner brands and through the Aeroplan eStore
  • Earn 50% more Aeroplan points when you shop at Starbucks (and link your card to your Starbucks Rewards account)
TD Aeroplan Visa Infinite Privilege $599
  • 2 points per dollar on Air Canada purchases
  • 1.5 Aeroplan points per dollar on gas, grocery, travel and dining purchases
  • 1.25 points per dollar on everything else
  • Double the points earned with partner brands and through the Aeroplan eStore
TD Aeroplan Visa Business Card $149
  • 2 points per dollar on Air Canada purchases
  • 1.5 Aeroplan points per dollar on travel, dining and business purchases
  • 1 point per dollar on everything else
  • Earn 50% more Aeroplan points when you shop at Starbucks (and link your card to your Starbucks Rewards account)

Pros of TD Aeroplan

  • Generous welcome bonus
  • Points can be used for various items, including travel, merchandise, gift cards, and statement credit.
  • Many partner retailers earn more points
  • Business card option
  • Cards include other travel perks, like travel insurance

Cons of TD Aeroplan

  • The most benefits for redemption are with Air Canada
  • All TD Aeroplan cards have an annual fee
  • Lower earn rates than the TD First Class Travel card.
  • Some Aeroplan cards have income eligibility requirements.
  • You must fly Air Canada when redeeming Aeroplan Points.

Redemption Options for TD Aeroplan Credit Cards

Aeroplan points can be used for everything from booking flights and vacations with Air Canada to flights on partner airlines, hotel rooms, and car rentals. You can also redeem your Aeroplan points for merchandise, gift cards, and statement credit.

TD First Class Travel vs TD Aeroplan: Which to Choose?

In order to take a closer look and help us choose between choose a TD First Class Travel Visa and a TD Aeroplan card, let’s review some of the facts.


TD First Class Travel Visa Infinite TD Aeroplan Cards
Annual Fee $139 $89 to $599
Rewards Up to 8 TD Rewards points per dollar on Expedia purchases Up to 2 Aeroplan points per dollar on Air Canada purchases
Purchase Interest 20.99% 20.99% (not including business card)
Redemption Options Travel (Book Any Way)
Expedia for TD
Amazon.ca
Starbucks
Education credits
Gift cards
Statement credits
Air Canada travel
Gift cards
Merchandise

TD First Class Travel and TD Aeroplan Cards Comparison

Best for frequent flyers

TD First Class Travel® Visa Infinite* Card

TD First Class Travel® Visa Infinite* Card
2.6
Our ratings take into account a product's rewards, fees, rates and other category-specific attributes. All ratings are determined solely by our editorial team.

Welcome Bonus

Up to $700 in value†, including up to 75,000 TD Rewards Points†

Annual Fee

$139 (fee rebated in the first year)

Regular APR (Purchases) / Regular APR (Cash Advances)

20.99% / 22.99%

TD First Class Travel® Visa Infinite* Card
Apply Now

On TD's Secure Website

Welcome Bonus

Up to $700 in value†, including up to 75,000 TD Rewards Points†

Annual Fee

$139 (fee rebated in the first year)

Regular APR (Purchases) / Regular APR (Cash Advances)

20.99% / 22.99%

Why We Picked It

Think of the TD First Class Travel Visa Infinite Card as a cheaper step down from its higher-flying cousins on this list. Packed with travel benefits, but lacking a heavyweight rewards program, this card is really aimed at frequent fliers rather than high spenders who also like to travel.

Pros & Cons
  • High earn rate for rewards with Expedia.
  • Exclusive travel benefits.
  • Expensive annual fee.
  • Low annual net rewards earnings for average spenders.
Card Details
  • Earn up to $700 in value†, including up to 75,000 TD Rewards Points, no Annual Fee for the first year† and additional travel benefits. Conditions Apply. Account must be approved by September 3, 2024.
  • Earn a welcome Bonus of 20,000 TD Rewards Points when you make your first Purchase with your Card†.
  • Earn 55,000 TD Rewards Points when you spend $5,000 within 180 days of Account opening†.
  • Earn a Birthday Bonus of 10% of the TD Rewards Points you have earned over the past year, up to a maximum of 10,000 TD Rewards points†.
  • Get an annual TD Travel Creditof $100 when you book at Expedia® For TD.
  • Get an Annual Fee Rebate for the first year†.
  • To receive the first-year annual fee rebate for the Primary Cardholder, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the first Additional Cardholder first-year annual fee rebate, you must add your first Additional Cardholder by September 4, 2024.
  • This offer is not available for residents of Quebec.
  • † Terms and conditions apply.

Best for earn rates

TD® Aeroplan® Visa Infinite* Card

TD® Aeroplan® Visa Infinite* Card
3.1
Our ratings take into account a product's rewards, fees, rates and other category-specific attributes. All ratings are determined solely by our editorial team.

Welcome Bonus

Up to $1,000 in value† including up to 40,000 Aeroplan points†

Annual Fee

$139

Regular APR (Purchases) / Regular APR (Cash Advances)

20.99% / 22.99%

TD® Aeroplan® Visa Infinite* Card
Apply Now

On TD's Secure Website

Welcome Bonus

Up to $1,000 in value† including up to 40,000 Aeroplan points†

Annual Fee

$139

Regular APR (Purchases) / Regular APR (Cash Advances)

20.99% / 22.99%

Why We Picked It

Thanks to the TD Aeroplan Visa Infinite Card’s robust Aeroplan rewards program, cardholders can earn roughly twice what they’d net through any of the other cards on this list, although its travel insurance coverage leaves something to be desired.

Pros & Cons
  • Great rewards program earnings
  • Plenty of perks, including comprehensive travel insurance and a NEXUS rebate
  • High annual fee
Card Details
  • Earn up to $1,000 in value†, including up to 40,000 Aeroplan points† and additional travel benefits. Account must be approved by September 3, 2024.
  • Earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase with your new card†.
  • Earn 15,000 Aeroplan points when you spend $7,500 within 180 days of Account opening†.
  • Plus, earn a one-time anniversary bonus of 15,000 Aeroplan points when you spend $12,000 within 12 months of Account opening†.
  • Enroll for NEXUS and once every 48 months get an application fee rebate†.
  • Plus, share free first checked bags with up to 8 travel companions†.
  • This offer is not available to residents of Quebec.
  • † Terms and conditions apply.

Best For Aeroplan Points with Low Annual Fee

TD® Aeroplan® Visa Platinum* Card

TD® Aeroplan® Visa Platinum* Card
4.5
Our ratings take into account a product's rewards, fees, rates and other category-specific attributes. All ratings are determined solely by our editorial team.

Welcome Bonus

Up to $500 in value†

Annual Fee

$89 (first year of annual fee rebated)

Regular APR (Purchases) / Regular APR (Cash Advances)

20.99% / 22.99%

TD® Aeroplan® Visa Platinum* Card
Apply Now

On TD's Secure Website

Welcome Bonus

Up to $500 in value†

Annual Fee

$89 (first year of annual fee rebated)

Regular APR (Purchases) / Regular APR (Cash Advances)

20.99% / 22.99%

Why We Picked It

The TD Aeroplan Visa Platinum Card shares many lots of the same features seen in premium cards that cost five times the annual fee. However, it does lack a bit in the insurance department.

Pros & Cons
  • Decent travel and consumer protection benefits
  • Allows cardholders to earn Aeroplan Points twice
  • Low annual fee that’s rebated the first year
  • Lower insurance coverage than other Aeroplan cards
Card Details
  • Earn up to $500 in value† including up to 20,000 Aeroplan points† and no annual fee for the first year. Conditions Apply. Account must be approved by September 3, 2024.
  • Earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase with your new card†.
  • Earn an additional 10,000 Aeroplan points when you spend $1,000 within 90 days of Account opening†.
  • Get an annual fee rebate for the first year†.
  • To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening and you must add your Additional Cardholders by September 4, 2024.
  • This offer is not available to residents of Quebec.
  • Terms and conditions apply.

Best For Exclusivity

TD® Aeroplan® Visa Infinite Privilege* Card

TD® Aeroplan® Visa Infinite Privilege* Card
4.5
Our ratings take into account a product's rewards, fees, rates and other category-specific attributes. All ratings are determined solely by our editorial team.

Welcome Bonus

Up to $2,700 in value† including up to 75,000 Aeroplan points†

Annual Fee

$599

Regular APR (Purchases) / Regular APR (Cash Advances)

20.99% / 22.99%

TD® Aeroplan® Visa Infinite Privilege* Card
Apply Now

On TD's Secure Website

Welcome Bonus

Up to $2,700 in value† including up to 75,000 Aeroplan points†

Annual Fee

$599

Regular APR (Purchases) / Regular APR (Cash Advances)

20.99% / 22.99%

Why We Picked It

True to its name, the TD Aeroplan Visa Infinite Privilege Card is exclusive and expensive, but brings to bear a broad array of perks and benefits, along with a surprisingly accessible credit score threshold.

Pros & Cons
  • Extensive travel perks, insurance and consumer protections
  • Low credit score threshold for such a powerful card
  • The most expensive annual fee on the list
  • Requires minimum personal income of $150,000 a year or $200,000 in annual household income
Card Details
  • Earn up to $2,700 in value† including up to 75,000 Aeroplan points (enough for a round trip to Honolulu†) and additional travel benefits. Conditions Apply. Account must be approved by September 3, 2024.
  • Earn a welcome bonus of 20,000 Aeroplan points when you make your first purchase with your new card†
  • Earn an additional 25,000 Aeroplan points when you spend $12,000 within 180 days of Account opening†
  • Plus, earn a one-time anniversary bonus of 30,000 Aeroplan points when you spend $24,000 within 12 months of Account opening†
  • Enroll for NEXUS and once every 48 months get an application fee rebate†.
  • Share first free checked bags with up to 8 travel companions† and get unlimited access to Maple Leaf Lounges†, including complementary access for one guest.
  • Plus, primary card holders get 6 complimentary worldwide select airport lounge visits annually through the Visa Airport Companion Program†.
  • This offer is not available to residents of Quebec.
  • †Terms and conditions apply.

Best Aeroplan Card for Business Owners

TD® Aeroplan® Visa* Business Card

TD® Aeroplan® Visa* Business Card
3.8
Our ratings take into account a product's rewards, fees, rates and other category-specific attributes. All ratings are determined solely by our editorial team.

Welcome Bonus

Up to 65,000 Aeroplan points

Annual Fee

$149

Regular APR

14.99%

TD® Aeroplan® Visa* Business Card

Welcome Bonus

Up to 65,000 Aeroplan points

Annual Fee

$149

Regular APR

14.99%

Why We Picked It

This card is a must for business owners, especially those who travel. With exclusive perks and benefits starting at the airport, insuring you at take-off  and at your destination with a robust travel insurance package and even providing discounts when you rent a car, you’ll feel like someone’s rolling out the red carpet for you on every business trip.

Pros & Cons
  • High earn rate, especially on essential categories for business
  • Travel perks like travel insurance and priority check-in and boarding
  • $149 annual fee
  • Limited travel benefits compared to other premium cards
  • Limited acceptance outside of Aeroplan and Air Canada partners
Card Details
  • Earn up to $1,850 in value† including up to 65,000 Aeroplan points, no annual fee for the first year, and additional travel benefits†. Accounts must be opened by January 3, 2024.
  • Get an annual fee rebate for the first year for the primary cardholder and two additional cardholders†.
  • Enroll for NEXUS and once every 48 months get an application fee rebate†.
  • Share free first checked bags and get access to Maple Leaf Lounges†.
  • Earn 2 points for every dollar spent on eligible purchases made directly with Air Canada® including Air Canada Vacations®.
  • Earn 1.5 points for every dollar you spend on eligible purchases for travel, dining and select business categories such as shipping, internet, cable and phone services made on your Card.
  • Earn 1 point for every dollar you spend on all other eligible purchases on your Card.
  • Earn 50% more points at Starbucks when you link your TD card with your Starbucks® Rewards account.
  • This offer is not available to residents of Quebec.
  • †Terms and conditions apply.

TD First Class Travel Vs. TD Aeroplan

With this in mind, the decision comes down to how you want to book travel, what you’re using the card for, what the decision comes down to is how you want to book travel, what you’re using the card for and how you like to redeem your points.

If you prefer to book travel through Expedia or other platforms, you’re better off choosing the TD First Class Travel card. If you prefer to book through Air Canada, you’ll likely get more value from an Aeroplan card.

The TD First Class Travel Visa Infinite Card is better if you prefer to redeem points for Amazon purchases or at Starbucks. However, if you’d rather redeem points for merchandise, an Aeroplan card might be worth considering.

That said, if you plan to use this card for business purposes, the TD Aeroplan card is best since the TD First Class Travel Visa Infinite is a single card you’re planning to use this card for business purposes, the TD Aeroplan card is best since the TD First Class Travel Visa Infinite is a single card and is meant for individuals, not businesses.

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