TD Aeroplan Visa Infinite Card or TD First Class Travel Visa Infinite Card?

April 27th, 2014 Posted in Credit Cards|Rewards Cards|Debts, Reviews|Interviews

Aeroplan Visa Infinite and First Class Visa Infinite
Photo Credit: TD Canada Trust

Aeroplan Visa Infinite and First Class Visa Infinite

Since TD started offering the TD Aeroplan Visa Infinite Card, it started head-to-head competition with TD’s own TD First Class Travel Visa Infinite Card. Both of these are fee-based premium cards offering Aeroplan Miles and TD Points with identical features and perks, and that raised the confusion of which one is better (or worse) in terms of giving more value for your money.

I have tried to find out some simple differences that would make it easier to choose the right card (except the obvious different types of reward points) going through the TD website, but I had no luck. So I took a simple approach to solve this problem – by walking into a TD branch and talking to a branch manager. Surprisingly enough, she was able to decipher the whole confusion in a simple way and that’s what I was looking for.

Here are some simple but effective tips she gave to choose the right cards (and these are what makes these two cards different than each other):

TD Aeroplan Visa Infinite Card

It’s good when you want to use your points for booking flights only. It’s not good when you want to book anything else such as vacations, hotels, etc. Points accumulate faster for flights than TD reward cards.

TD First Class Travel Visa Infinite Card

It gives more value when you use your points to book vacations, hotels, car rentals, or to redeem for rewards. You can use it to book flights as well, but for the sole purpose of booking flights only, Aeroplan is a better option.

As I prefer to use a premium card for various reasons, and not just booking flights only, my own preference is not an Aeroplan credit card. Also, the TD manager I was talking to pointed out that she would stick to her TD First Class Visa Infinite card.

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